Commercial Insurance

Hospitality Insurance

You care about experiences, service, and reputation — not paperwork. At DHW, we provide hospitality insurance built to protect your guests, your staff, your property, and your brand — so you can focus on what you do best.

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Hospitality Risks Need a Specialist Approach

In hospitality, every detail matters — cleanliness, guest safety, food service, events, property, guest interactions — and each brings its own liability risks. One claim can erode guest trust or derail operations.

We understand that your business isn’t like others — your exposure is tied to people, service, and property under constant use. DHW’s approach blends traditional coverage with proactive guidance tailored to hospitality’s unique pressures — from guest liability to liquor exposure, staffing dynamics, and event risk.

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General Liability & Guest Injury

Slips, falls, or third-party injuries can happen — especially in busy spaces. We help you protect against claims related to bodily harm, property damage, and premises liability.

Liquor Liability

Serving alcohol introduces additional exposure. We help you secure proper coverage to manage risks tied to alcohol service, events, and your premises.

Property & Equipment

Your restaurants, hotels, event spaces, kitchens, furniture, décor — all of it matters. We design protection to keep your physical assets safe from fire, theft, weather, vandalism, and equipment failure.

Business Interruption & Event Coverage

When operations pause — be it for a fire, disaster, or event cancellation — the cost can ripple. Coverage that includes interruptions, event postponements, and revenue loss keeps your business resilient.

Workers’ Compensation & Staff Protection

Your team is on the front lines: kitchens, service areas, maintenance. We work alongside you to manage workplace risk, support employee safety, and navigate compliance.

Cyber & Data Protection

Guest data, reservations systems, payment data — these are high-stakes assets. A breach could damage reputation and operations. We help you secure these exposures before they become vulnerabilities.

How DHW Supports Hospitality Clients

When you partner with DHW, you get more than policies; you get insight, guidance, and ongoing support. We help you:

Access specialized hospitality carriers
Manage claims with guest-staff sensitivities in mind
Implement safety protocols tied to guest flow and operations
Review coverage annually, adjusting for peak seasons, new venues, or new services
Navigate contracts, vendor exposures, and event liability

We understand hospitality well — its rewards and its risks. When things go sideways, we’re by your side.

Why Choose DHW?

Hospitality is unpredictable. Your insurance shouldn’t be. At DHW, we understand the challenges hotels and restaurants face—and we bring the expertise to match. Whether you run a bed & breakfast, a resort, or a fine dining establishment, we’ll customize your coverage to suit your business, your guests, and your goals.

Get insured with Dedication, Heart, and Wisdom—the DHW way. Let’s build a plan that helps your business thrive, even when the unexpected happens.