USIHospitality Practice
Client login Book a call
Industries · Hotels, clubs and venues

Insurance for hotels, clubs and event venues

Hotels with restaurants and bars, private clubs, catering companies and event venues. Property schedules, guest liability and liquor under one program.

Book a callFind out what your program is missing
What's different

Property is the big exposure

Coastal buildings, named storms and flood

Florida property means named storm deductibles, Flood and valuation questions that decide whether a claim pays in full.

Guests, members and events

Liquor at events, caterers working off premises, host liquor at private functions, and the additional insureds every event contract asks for.

Many moving parts

Pools, valet, spas, contractors and seasonal staff, each with its own coverage question.

Coverage

Coverage that matters for hotels and venues

Hover over or tap any line for a plain-English definition.

PropertyAt replacement cost, with ordinance or law and the storm deductible in dollars.
Business incomeRooms, food and beverage and events, for as long as the rebuild takes.
General liabilityGuests, members and the public, on and off premises.
Liquor liabilityIncluding off-premises service for caterers and events.
Workers' compensationHousekeeping, kitchen, banquet and seasonal staff.
Umbrella and excessOver property-owner, liquor and auto exposures.
Crime and employee dishonestyCash, deposits and vendor payments.
Cyber liabilityGuest and member data, reservations and payments.
The review

What we check in a hotel or venue program

  • Named storm deductibles in dollars for every building
  • Flood coverage and whether the national program limit is enough
  • Coinsurance and valuation against today's construction cost
  • The business income period, and whether it covers a long rebuild
  • Off-premises liquor for catering and events
  • Valet, parking and garage keepers coverage
  • Contractor and vendor certificates on file
  • Cyber liability for guest and member records
The USI ONE Advantage®

How a program review works

1

Analyze

A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.

2

Plan

A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.

3

Deliver

We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.

Find out what your current program is missing

A full review of your current insurance program, benchmarked against similar Florida hospitality groups. No cost and no obligation.

Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com

Book a callHow a review works
Have questions?

Hotel and venue operators ask us

We're on the coast. Can you still get property coverage?

Yes. Coastal property takes a complete submission: construction, roof age, wind mitigation, protection and values. We build it and take it to the carriers that write Florida coast.

Our caterer works off site.

Off-premises liquor and liability need to be written in, not assumed. We check every event contract requirement against the policy.

Do you work with private clubs?

Yes. Member liability, directors and officers, employment practices and the clubhouse property all fit in one program.