The Hartford doesn’t offer hospitality business insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Hospitality Industry Insurance?
Hospitality business insurance is made up of different types of business insurance coverages. Also known as hospitality and leisure insurance, this coverage helps protect you from the risks you face as a guest services provider.
Whether you run a hotel, restaurant, catering service or event space, this insurance helps cover various claims, from slip-and-fall accidents to property damage and guest injuries. It’s designed to help safeguard the equipment you rely on and the people you serve, so you can keep your business running smoothly.
Although The Hartford doesn’t offer hospitality business insurance, we help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Hospitality Business Insurance?
Hospitality business insurance is a collection of coverages designed to help protect hotels and leisure businesses from the potential risks they face. This can include:
- Slip-and-fall injury: A guest slips in your lobby and suffers an injury, leading to a costly lawsuit.
- Property damage: A fire in the kitchen destroys equipment and inventory, halting food service for days.
- Lost revenue: A major event gets canceled due to unforeseen circumstances, and you’re left covering the costs.
Who May Need Hospitality Insurance?
Business insurance coverage can help many types of businesses within the hospitality industry, including:
- Hotels
- Motels
- Event venues
- Bed and Breakfasts
- Banquet halls
What Hospitality Business Insurance Coverages Might I Need?
When it comes to protecting your hospitality business, you’ll want coverage that matches your potential risks. Many hospitality business owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
It combines three types of coverage to help protect you from the common challenges you might face during normal operations:
General liability insurance helps protect your hospitality business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you use to operate, as well as your tools, inventory and equipment. These can include:
- Computers
- Furniture
- Kitchen appliances
- Cleaning supplies
- Housekeeping carts
- Point-of-sale systems
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, theft or win.
It’s important to remember that a BOP won’t help cover every type of claim. You’ll need to get other types of insurance to create a more comprehensive plan, including:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees uses a company-owned vehicle for work.
How Much Does Hospitality Business Insurance Cost?
While The Hartford doesn’t offer coverage for hospitality businesses, here are the average costs small business customers pay for common types of coverage. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of hospitality and hotel business insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific hospitality business insurance costs, get a free quote online through Tivly.
Business Income Insurance
“A kitchen fire forced us to close for almost a month.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business can’t operate temporarily due to covered property loss.
Liquor Liability Insurance
“A customer left our place after having too much to drink and caused a car accident. The other driver sued our company.”
Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated customer causes after you serve them alcohol.
Workers’ Compensation Insurance
“After a snowstorm, our greeter slipped and took a bad fall. He needed time off to rest and recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of my staff members rear-ended another car at a traffic light while driving our catering van to an event.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.
Commercial Property Insurance
“A pipe burst on one of the floors of our hotel, causing significant water damage.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Spoilage Insurance
“Our fridge broke down overnight and we lost all our perishables.”
Spoilage insurance helps cover the cost of spoiled or ruined products that need to maintain a certain temperature to stay marketable. This is an essential coverage for businesses that offer items like cut flowers or perishable treats for guests.
Get a Quote for Hospitality Business Insurance Options
Serve your guests confidently. Get a quote today from Tivly.
Last Updated: April 22, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Insurance Information Institute, “Facts + Statistics: Product Liability,” viewed April 2025.
3 NIOSH, "About Motor Vehicle Safety at Work,” viewed April 2025.
4 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed March 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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