Hospitality Insurance

Hospitality entities face a broad array of risks that threaten their profit margins. Injuries arise from numerous areas, including liability from transportation services, pool areas, guest rooms, or work-out facilities.

During the last several years, hospitality companies, like many other industries, have increased the utilization of outsourcing arrangements for items such as procurement services, network-data host sites, and food and beverage in order to pass the on liability. Although, as industry properties continue to expand the number of guest services that are part of their public attraction and amenities, constant re-evaluation of these risks is necessary.

Proper risk-management in the hospitality industry starts with an industry specific plan. Businesses must ensure they are working with a broker who understands risks typically faced in the hospitality industry. In addition, they should have an understanding of their insurer and confirm their broker has expertise in handling the complexity of industry specific insurance programs.

Hospitality Clients Served:

  • Full Service Hotels/Resorts

  • Limited Service Hotels/Motels (Franchise and Non-Franchise)

  • Convention Facilities

  • Bed and Breakfasts


  • Property

  • Liability

  • Worker’s Compensation

  • Umbrella

  • Automobile

  • Employee Dishonesty

  • Privacy Coverage

  • Crisis Event Expense

  • Equipment Breakdown

  • Increased Real Estate Tax Assessment Expense

  • Employment Practices Liability

  • Reservation Systems Expense

  • Water Backup Coverage

  • Food Contamination

  • Liquor Liability

  • Temperature Change

  • Services Errors & Omissions

  • Food Borne Illness/ Trade Name Restoration

  • Event Cancellation

  • Emergency Vacating

  • Keying Systems

Swingle, Collins & Associates specializes in hospitality insurance coverage. The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for convention facility, bed and breakfast, and full service hotels and resorts insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.