Hospitality Insurance

We offer a variety of competitive hospitality insurance programs and packages for all sorts of hospitality businesses.  Whether it’s lodging, food service, or entertainment, we can protect you from damage to your facilities or injuries to your employees and patrons.  If you are part of an association or management group that represents multiple locations or businesses, we can combine coverage on custom built master policies to accommodate all locations and save money.  

HOTEL INSURANCE
Generally, Hotel Insurance combines several different types of insurance that are necessary to provide proper coverage for this type of business.  Hotel Insurance my include the following:

 – Property (Building) – This covers the full replacement cost of the hotel itself
 – Guests’ Property – This covers the possessions of guests staying at the hotel
 – Contents – This insures the contents of the hotel against loss or damage
 – Business Income – This insures against the loss of profits which my be incurred due to a loss
 – Liability – Protects against claims made by third parties as the result of accidental injuries to        employees on the hotel grounds
 – Workers Compensation – Covers an employer’s liability which may results from injuries to employees while at work
 – Umbrella – Excess liability – Required for Franchised Hotels
 – Theft By Employees – Protects the hotel in the event of a theft by an employee

RESTAURANT INSURANCE
Restaurant Insurance can protect you and your business for a myriad of problems – from broken equipment to liability lawsuits.  For businesses based in North Carolina, you will need certain types of hospitality insurance for your restaurant.  In addition, you will also need to carry certain types to satisfy your bank loans and mortgage.  The most common types of Restaurant Insurance are the following: