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Request a quoteHospitality Insurance
Running a restaurant, bar, hotel, or event venue means handling risk every single day, from a guest slipping on a wet floor to liquor liability after last call. As an independent broker with 40+ years of experience, we build hospitality coverage around the way your business actually operates, not a one-size-fits-all policy.
What We Cover
Hospitality businesses face a wider mix of risk than most industries: service, property, staff, and guests all in one place. Here’s what a well-built hospitality policy typically includes.
| Coverage Type | What It Covers |
|---|---|
| General Liability | Covers guest injuries and property damage on-site |
| Liquor Liability | Protects you if an intoxicated guest causes harm after being served |
| Property Insurance | Covers your building, equipment, and inventory |
| Workers’ Compensation | Protects your staff and keeps you compliant |
| Employment Practices Liability (EPLI) | Covers claims from employees like harassment or wrongful termination |
| Business Interruption Coverage | Replaces lost income if you have to temporarily close |
Businesses We Serve
We insure hospitality businesses across California and the Western U.S., including:
- Restaurants
- Bars
- Hotels
- Event Venues
- Breweries
- Cafes
- Food Trucks
Why Choose Bozzuto
We Understand Service Industry Risk
Hospitality businesses don’t run on a nine-to-five schedule, and neither does the risk. Late-night alcohol service, high guest turnover, seasonal staffing swings, and constant equipment use all shape what your coverage actually needs to do. We’ve spent 40+ years building policies based on how restaurants, bars, and hotels actually operate, not a generic small-business template that happens to include a liquor liability checkbox.
One Policy, Not a Patchwork
Most hospitality businesses end up piecing together coverage from a few different places: liquor liability from one provider, property from another, workers’ comp from whoever was cheapest that year. We package it all under one program instead, so a claim doesn’t turn into a game of figuring out which policy is supposed to respond.
California-Specific Coverage
Insurance requirements and exposures for hospitality businesses vary depending on where you operate. If you’re running a hospitality business in California, visit our California Hospitality Insurance page for details on liquor liability requirements, wildfire exposure, and guest data considerations under CCPA.
Hospitality Insurance in California
Running a Restaurant or Bar?
If food and beverage service is your core business, our dedicated Restaurant Insurance page breaks down coverage built specifically around kitchens, liquor service, and dining rooms.
Get a Free Hospitality Insurance Quote!
