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Building Smarter: The Insurance That Keeps Your Construction Projects on Track
Stay ahead of the game with builder’s risk insurance—because what you build today should never come down tomorrow.
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March 25, 2025
Luxury Hospitality, Resorts, & Experience-Driven Brands
Safeguarding Hotels, culinary Institutions, and Guest Environments from Legal Exposure, Operational Disruption, and Reputational Fallout
Hospitality businesses operate in dynamic, high-touch environments where risk is public, real-time, and reputation driven. Our elite risk strategies protect against liability, operational threats, cyber breaches, and guest or employee incidents.
77%
of hospitality claims involve third party bodily injury or food contamination.
$4.2T
The global hospitality industry generates over $4.2 trillion in economic impact.
61%
of hotels and restaurants have no dedicated cyber or employment coverage.
The Unique Risks of the Hospitality Industry
From guest injuries and liquor liability to cyber breaches and labor claims, hospitality operators face relentless public exposure. Insurance must be precise, proactive, and coordinated across vendors, leases, employees, and tech platforms.
Premises & Guest Injury Liability - Slips, falls, ADA disputes, or unsafe property conditions.
Liquor Liability & Overservice Claims - Exposures from on-site and off-site alcohol related incidents.
Employment Practices - Harrasment, wage disputes, wrongful termination, and high staff turnover litigation.
Cybersecurity & Data Breach - Breach of booking data, guest profiles, and point of sale systems.
Vendor & Contractor Risk - Catering, valet, security, and housekeeping exposures from third parties.
Hospitality risk mitigation must integrate legal protection, operational resilience, and reputation defense to meet the demands of high-volume, guest-centric businesses in an always connected world.
Specialized Coverages for the Hospitality Sector
Premises & Guest Injury Liability
Coverage for bodily injury or property damage occurring on premises.
Includes elevators, pools, valet areas, and guest suites.
Legal defense for ADA compliance disputes and signage deficiencies.
Liquor Liability & Overservice Claims
Defense against third party claims tied to overservice or intoxication-related injury.
Coverage for strom, fire, vandalism, and utility failure.
Includes ordinance and law compliance extensions.
Employment Practices
Protection from employee claims: harrassment, discrimination, wrongful termination, wage & hour disputes.
Optional third party coverage for guest complaints.
Essential for multi-location or franchise operations.
Cybersecurity & Data Breach
Covers breach of guest information, loyalty programs, and payment processing.
Includes ransomware, phishing, and regulatory response.
Forensic analyis and crisis communication coverage included.
Vendor & Contractor Risk
Protection from operational losses due to vendor error or breach.
Contract review support for indemnity and certificate of insurance compliance.
Covers outsourced services like cleaning, entertainment, and maintenance.
Case Study
The Risks of Managing High-Profile Hospitality Brands
Las Vegas, NV
MGM Cyberattack
A major cyberattack on MGM Resorts disrupted operations and exposed customer data in 2023.
Lahaina, HI
Maui Wildfire Hotel Destruction
Wildfires devasted hotel properties in Lahaina, severely impacting tourism and business operations.
New York, NY
Hotel Reputation Crisis
Allegations and protests damaged a luxury hotel's brand reputation during a high profile event.
