Liberty’s Hospitality Practice Group provides commercial insurance for hotels and resorts, restaurants and multi-unit food service groups, bars, breweries and nightlife venues, and banquet, catering and event operators. Coverage includes commercial property, general liability, liquor liability, business interruption, cyber liability, commercial auto, umbrella and excess, and workers’ compensation. Liberty places these programs with carriers that underwrite hospitality specifically, including venues with late-night alcohol service, coastal wind exposure, or franchise brand-standard insurance requirements. The Liberty Company Insurance Brokers has operated since 1987 and manages more than $2 billion in premium through 80+ offices nationwide.
In hospitality, the product is the premises. Guests sleep in your building, eat what your kitchen sends out, and drink what your bartender pours. Liability follows those people around the property and off it — into the parking lot, into the guest room, onto the road after last call.
Underwriting has tightened to match. Carriers now look hard at late-night alcohol sales, door and security staffing, camera coverage, pool and spa controls, and whether a property actually documents its incident reports. Coastal hotels are absorbing named-storm deductibles calculated as a percentage of insured value rather than a flat dollar figure, which quietly changes what a claim recovers.
A broker who knows hospitality prices the operation, not the class code. Same square footage, same food sales, and a 2 a.m. liquor license produces a different program than an 11 p.m. one. Liberty builds the submission so an underwriter sees the controls you already run instead of assuming the worst about a class it does not know well.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty writes hospitality across ownership structures — independent single-location operators, franchisees carrying brand insurance requirements, management companies working for third-party owners, and private equity-backed restaurant groups adding units every year. What changes between them is who holds the risk, who gets named as additional insured, and which contract clause decides that. We read the management or franchise agreement before we quote.
Most hospitality accounts get quoted off a package template and a payroll number. That holds up until a claim exposes what the template assumed — an assault and battery sublimit the owner never saw, a liquor policy that excludes the promoter who rented the room on Saturday, a property form paying actual cash value on a 15-year-old walk-in.
Liberty builds the program around how the operation actually runs: hours of alcohol service, whether valet is in-house or contracted, how many keys and how many pools, whether the kitchen caters off-site, and what the franchise or management agreement requires you to carry. Then we take it to carriers that write hospitality on purpose rather than as an accommodation. When something goes wrong at 11 p.m. on a Saturday, the claims contact is someone who has handled a hospitality loss before.
Buildings, contents, kitchen equipment, and the revenue you lose when a closure forces you dark.
Guest injury, alcohol service, security incidents, and the suits that follow them.
Your staff, your leadership decisions, and the guest data sitting in your PMS and POS.
The Liberty Company Insurance Brokers opened in 1987 as a single California agency. It now manages more than $2 billion in premium through 80+ offices across the country, and that volume is what gets a hospitality submission read by an underwriter instead of set aside. Scale matters most on the accounts nobody wants — the 2 a.m. bar, the coastal resort in June, the restaurant group carrying three guest injury claims in four years.
Liberty is licensed in California under #0D79653 and places hospitality business nationally. You work with a named team that knows your renewal calendar, your loss runs, and which markets are actually moving on your class this year.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
We underwrite the difference between an 11 p.m. license and a 2 a.m. one, because the carriers do.
More than $2 billion in managed premium means hospitality submissions reach underwriters who write the class deliberately.
Door staffing, camera coverage, pool controls, and incident documentation get reviewed before renewal rather than after a claim.
A dram shop suit or a guest assault claim gets a Liberty advocate pushing the carrier, not a ticket in a queue.
