Koosh Insurance · Specialized Risk Solutions / Industries

    Hospitality & Staff

    The pool incident at 11pm. The guest who slipped in the lobby and walked back to the front desk three hours later in tears. The banquet hall fire that took out a wedding and a year of bookings. Hospitality is hospitality — meaning every guest interaction, every drink poured, every event hosted is an exposure surface. The policies have to work the way the property works: 24 hours a day, in every space, for everyone who walks through the door.

    See what's covered

    Coverage

    What this coverage includes

    • General liability with hospitality-specific endorsements — guest injury, slip-and-fall, assault and battery
    • Liquor liability for hotels, restaurants, banquet operations, and venue rentals
    • Commercial property for buildings, FF&E, and contents
    • Business interruption sized to actual revenue including seasonal and event-driven peaks
    • Equipment breakdown for HVAC, kitchen equipment, elevators, pools, and laundry
    • Workers' compensation with class management for housekeeping, kitchen, front-of-house, banquet, and management staff
    • Employment practices liability — high-turnover, high-claim-frequency workforce
    • Cyber liability — guest data, payment processing, and reservation system exposure
    • Crime and employee dishonesty — cash handling and high-value property exposure

    Who Buys This

    Who typically buys this coverage

    • Hotels and resorts — full-service, limited-service, and boutique
    • Bed and breakfast and small inn operations
    • Event venues — wedding, corporate, banquet, and conference
    • Country clubs, golf clubs, and private clubs
    • Vacation rental management companies
    • Spa and wellness operations within hospitality settings
    • Hospitality groups operating multiple properties under common ownership

    Why Koosh

    Why Koosh Insurance

    Hospitality is a coordinated program across half a dozen lines, and the lines have to work together because the claims rarely fit cleanly into one. We treat the program as a system.

    Liquor liability sized to actual exposure — bar, banquet, in-room, off-premises catering all need different placement.

    Workers' comp class management — housekeeping, kitchen, front-desk, banquet codes drive premium and misclassification is common.

    EPL for high-turnover environments — hospitality faces EPL claims at rates above most industries.

    Property valuation that reflects reality — FF&E and tenant improvements depreciate fast on paper but cost full replacement after a loss.

    Multi-property coordination — for groups operating multiple properties, single point of contact and consolidated renewals.

    Cyber for hospitality — guest data and payment processing exposure, sized correctly.

    FAQ

    Frequently asked questions

    Yes. GL excludes losses arising from the sale or service of alcohol. Liquor liability is a separate coverage with its own limits, and hotels with bar, banquet, or in-room alcohol service all need it. The exposure includes guests harming themselves and third parties harmed by intoxicated guests.

    Helpful but not dispositive. Premises liability turns on duty, breach, causation, and damages — closure of the pool affects each element, but the analysis is fact-specific. Documentation of closure protocols, signage, supervision policies, and incident response all matter at claim time.

    A&B coverage is often sub-limited or excluded under standard hospitality GL, particularly for properties with bars, nightlife operations, or in certain neighborhoods. Specific endorsements bring it back at meaningful limits. We check this before binding for any property where it matters.

    Yes. Even when the central system handles reservations and payment processing, you have local exposure — guest data captured at check-in, on-property Wi-Fi, employee devices, vendor access. Many cyber claims for hotels involve local-system breaches, not central-system events.

    Generally no — vendors carry their own liability, and they should provide certificates of insurance naming you as additional insured before they work on the property. Vendor compliance is one of the most common gaps. We help structure certificate-management programs.

    Standard business interruption requires direct physical loss to property — it doesn't cover weather-related cancellations without damage. Specific event cancellation coverage exists as a separate product for venues with significant event revenue.

    Related

    Related services

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    This page provides general information about Hospitality & Staff insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Hospitality & Staff

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314