Hospitality Insurance (Hotels & Restaurants)
Hospitality Insurance for Hotels, Motels & Restaurants
Hospitality businesses face a unique mix of risks — guests, food, alcohol, property, and staff — and a standard policy rarely covers them all. Hospitality insurance bundles the coverages hotels, motels, bars, and restaurants actually need into one program, so a slip-and-fall, a kitchen fire, or a liquor-related claim doesn’t put your business on the line. Covella builds coverage around your specific operation across Ohio, Indiana, and Kentucky.
Complete Hospitality Insurance Coverage
What it covers
commercial property (building, kitchen, contents) · general liability (guest injuries) · liquor liability · food spoilage · business interruption · workers’ comp for staff.
Who needs it
hotels, motels, restaurants, bars, cafés, and event venues.
Cost factors
revenue, seating/room count, alcohol sales, property value, and claims history.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
Do restaurants that serve alcohol need liquor liability?
Yes — general liability typically excludes alcohol-related claims, so liquor liability is essential for any business serving or selling alcohol.
Is food spoilage covered?
It can be added — important protection when a power outage or equipment failure ruins inventory.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.