Hospitality Insurance
Hospitality Insurance Overview
From boutique hotels and destination resorts, to busy restaurants, the hospitality industry faces unique risks every day. Liberty’s Hospitality Insurance Programs deliver specialized protection for property, guests, employees, and operations.
We help you focus on creating exceptional guest experiences while we protect your business.
Who We Serve
Our hospitality programs are designed for:
Hotels & Resorts
From boutique inns to large multi-property chains.
Restaurants & Food Service
Fine dining, casual dining, cafés, and catering companies.
Bars, Breweries, and Nightlife
Pubs, breweries, wine bars, and entertainment spaces.
Why Choose Liberty for Hospitality Insurance?
Industry Knowledge
Our specialists understand the needs of hotels, resorts, restaurants, bars, catering services, and more.
Customized Solutions
Programs designed around your property size, amenities, and operations.
Broad Protection
Coverage for property damage, liability, liquor liability, equipment breakdown, cyber risks, and more.
Risk Management Support
Ongoing guidance to reduce incidents and control insurance costs.
What Does Hospitality Insurance Cover?
We offer tailored programs that fit your operations and exposures.
Coverage can include:
Property
General Liability
Business Interruption and Loss of Income
Liquor Liability Insurance
Cyber & Data Breach Protection
Workers' Compensation
Frequently Asked Questions
Hospitality insurance provides specialized coverage for businesses that host guests or serve food and beverages, such as hotels, resorts, restaurants, and event venues. It helps protect against property damage, guest injuries, food contamination, liquor liability, equipment breakdown, cyber incidents, and other risks.
Any business in the hospitality sector—hotels, motels, resorts, restaurants, bars, nightclubs, caterers, or event venues—benefits from a tailored hospitality insurance program.
Typical policies include property, general liability, liquor liability, business interruption, equipment breakdown, and cyber liability. Optional coverages can include employment practices liability, special event coverage, and flood or earthquake protection.
While standard commercial insurance protects physical assets and basic liabilities, hospitality insurance addresses exposures specific to guest services, such as food safety, alcohol service, high guest traffic, and special events.