Complete hospitality insurance plans for your peace of mind.

As a hospitality business, success depends on providing high-quality service. Your guests and patrons are the lifeblood of your company—and that comes with a wide range of unpredictability.  Does your hotel insurance or restaurant insurance cover you if one of your guests slips, trips, or falls? Your customer service scores may be through the roof, but what steps have you taken to protect the safety and privacy of your customers? How do you know that your hospitality insurance programs are setting your financial health up for long-term success? 

You can’t afford to let your hospitality insurance plan fall to the wayside. Accidents and security incidents are becoming increasingly common:

• Slips and falls are so common in the hospitality industry that “slip-and-fall accident” is now a common legal term.
• Between 2022–2023, global hotel occupancy rates have remained between 50% and 65%.
• In 2019, a major hotel group’s data server was breached, compromising locks, in-room safes, and other security management devices.

Hospitality business insurance is all about peace of mind. It’s the benefit of knowing that you can continue to provide the best service possible while ensuring that your guests, employees, and your business are shielded from risk and liability. At DHW, personalized service is simply part of our DNA. Here are some of the common hospitality insurance challenges that our clients turn to us for:

Complete market coverage—Our hospitality insurance programs cover the entire marketplace, leaving no stone unturned for your own personal best coverage option.

Cyber threats and breaches—Our day-to-day lives are dominated by technology—and security breaches. The hospitality industry is no different. Whether it’s maintaining client records, processing payments, or storing confidential employee information, you need to ensure that your hospitality insurance has you covered in the event of a technological breach.

 Safety and security—As a hospitality business, you are coming face to face with risk every day. Ensuring that you are covered through a variety of scenarios means understanding that risk and taking steps to protect your staff and guests. Whether it’s controlling key card access, managing security patrols, or installing panic buttons in rooms, our hospitality insurance experts can advise you on how to keep safety and security top of mind. 

 Lost room revenue—Hotels depend on high occupancy levels to keep their business thriving. When occupancy drops, your bottom line can be significantly affected. A well thought-out hotel insurance plan will keep you covered through seasonal dips, unexpected closures, cancelled events, and more. 

 Business interruption—We can’t control when disaster strikes due to hurricane, flood, or fire, but we can manage the impact. Your hospitality insurance should be well-prepared to take these into account so that your business can continue to succeed, despite business interruptions.