Food & Beverage / Hospitality

Restaurants and hospitality businesses face daily exposure — from guests, employees, vendors, and regulators — all while operating in a demanding margin environment. Swingle Collins partners with restaurant groups and hospitality operators who need tailored insurance programs and a broker who understands their world.

From general liability and property to workers’ compensation and liquor liability, we design programs that reflect how and where you operate. We specialize in multi-location and franchise structures — placing cohesive programs across formats ranging from fine dining and fast casual to ghost kitchens, food trucks, and hybrid concepts. 

Liquor liability requires careful market navigation and state-specific knowledge — something our Advisors bring to every placement. We navigate a constrained liquor liability market with confidence —  positioning your risk properly to secure competitive, sustainable terms.

With Swingle Collins, clients gain a responsive partner who understands the pace and pressure of hospitality.

Liquor Liability (Texas-Focused Placement Strategy)

• Dram shop exposure analysis
• Assault & battery considerations
• Venue-specific structuring (bars, mixed concepts, event-driven venues)

Property & Business Interruption

• Natural catastrophe exposure (wind, hail, flood)
• Tenant improvements & build-out valuation
• Loss of income & extra expense

Equipment Breakdown & Spoilage

• Walk-in refrigeration and kitchen systems
• Utility service interruption
• POS and technology downtime

General Liability

• Premises liability & guest injury
• Vendor transfer of risk review
• Contractual risk with landlords

Workers’ Compensation

• Multi-location program coordination
• Return-to-work strategy

Employment Practices Liability (EPL)

• Wage & hour pressures
• Wrongful termination & harassment claims

Cyber & Technology Risk

• POS systems
• Loyalty and payment data
• Social engineering exposure

Crime

• Employee dishonesty
• Funds transfer fraud

Franchise & Multi-Unit Program Structuring

• Master program coordination
• Certificate management
• Landlord and lender compliance