Hospitality and Liquor Business Insurance

Navigating the World of Hospitality Insurance

In the vibrant world of the hospitality and liquor industry, every day brings a new opportunity to create unforgettable experiences for your guests. However, with these opportunities come risks—risks that can threaten the very foundation of your business. Understanding the critical importance of insurance is not just about protecting your investment; it’s about ensuring the continuity of those exceptional experiences you offer.

Our team understands the specific challenges of the hospitality sector, offering protection against unforeseen events to strengthen your resilience and peace of mind. This includes safeguarding against accidents on your premises or property damage, ensuring your business remains secure.

Businesses We Insure

Statewide Commercial Insurance Brokers offers specialized insurance coverage for a variety of businesses within the hospitality and liquor sectors:

• Banquet Halls
• Bars and Taverns
• Catering Services
• Convenience, Deli, and Grocery Stores
• Liquor Stores
• Nightclubs
• Restaurants

Coverages Offered

Our team recognizes the critical need to protect your hospitality and liquor business when unexpected events occur, so we offer a range of insurance solutions designed to give you confidence that your assets are secure.

• General Liability Insurance: Protects your business from financial losses due to third-party claims of bodily injury, property damage, or personal and advertising injury that occur as a result of business operations.
• Workers’ Compensation Insurance: Mandatory in most states, this insurance covers medical expenses and a portion of lost wages for employees who get injured or sick as a result of their work.
• Commercial Property Insurance: Safeguards your business’s physical assets, such as buildings, inventory, furniture, and equipment, against damage due to events like fires, explosions, storms, theft, and vandalism.
• Business Owner’s Policy (BOP): Combines property, liability, and business interruption insurance into one package for small to medium-sized businesses. It offers comprehensive protection by covering damages to business property, legal liabilities, and income loss due to covered hazards.
• Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. This type of insurance is designed to protect businesses and their assets in case of accidents, injuries, or property damage involving company-owned vehicles or vehicles used for business activities.
• Liquor Liability Insurance: This is a type of business insurance designed specifically for entities that sell, serve, or facilitate the use of alcohol. It protects you against legal claims that may arise from damages or injuries caused by intoxicated patrons. This insurance is particularly crucial for bars, restaurants, nightclubs, and any venue where alcohol is a key part of business operations.