Restaurants & Hospitality Groups
Designed for high-volume restaurant groups, fine dining establishments, and complex hospitality portfolios. We structure comprehensive liquor liability, specialized property endorsements for spoilage and equipment breakdown, and high-limit Employment Practices Liability (EPLI) for large hospitality workforces.
Operational Risk Profile
High-volume hospitality operations face severe premises liability frequency, complex liquor liability exposures, and strict regulatory health oversight. Managing these portfolios requires a risk architecture capable of mitigating severe slip-and-fall hazards, foodborne illness claims, equipment failures, and the heavy workers’ compensation frequency associated with fast-paced commercial kitchens.
Core Coverage Considerations
While every group has a unique risk profile, a foundational risk management strategy for hospitality portfolios typically includes the following core coverages.
General Liability & Liquor Liability
Critical, high-limit protection against third-party slips, trips, falls, and severe claims arising from the over-service of alcohol to patrons.
Commercial Property & Spoilage
Broad protection for highly specialized, expensive restaurant build-outs, including vital endorsements for mechanical equipment breakdown and perishable food spoilage.
Workers’ Compensation
Comprehensive coverage for front-of-house and back-of-house staff, managing the high-frequency injury risks of commercial kitchens and service floors.
Employment Practices Liability (EPLI)
Essential protection for hospitality groups managing large hourly workforces, covering claims of wage/hour disputes, harassment, and discrimination.
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