Hospitality Insurance
Running a hospitality business means welcoming guests, managing staff, and keeping operations moving, all while facing risks that most other industries never encounter. Whether you own a hotel, restaurant, bar, bed and breakfast, or event venue, the right insurance coverage can be the difference between recovering from a setback and closing your doors.
What Is Hospitality Insurance?
Hospitality insurance is a category of commercial coverage designed for businesses that serve the public in food, lodging, and entertainment settings. A typical policy may include general liability, commercial property, liquor liability, workers’ compensation, and business interruption coverage. Depending on your operation, you may also need:
- Commercial auto coverage for delivery or shuttle vehicles.
- Cyber liability if you process online bookings or store guest data.
- Umbrella liability for additional protection above your base policy limits.
- Equipment breakdown coverage for kitchen and HVAC systems.
Because no two hospitality businesses are alike, coverage is typically customized to match your specific operation, size, and risk profile.
Is Hospitality Insurance Required by Law?
Requirements vary by state and business type. In Tennessee, workers’ compensation is mandatory if you have five or more employees. Commercial auto coverage is required if you operate business-owned vehicles. Beyond legal minimums, many landlords and event venues require proof of general liability coverage before allowing you to operate or host events.
Where Can I Buy Hospitality Insurance?
If your business needs affordable coverage at a competitive rate, look no further. Independent insurance agents like us are well-positioned to help hospitality businesses because we work with multiple carriers and can compare options on your behalf. Rather than being limited to a single company’s products, we shop the market to find coverage that fits your business and your budget.
Contact Sunstar Insurance Tennessee today to get started with a coverage review tailored to your hospitality operation. Proudly serving Jackson, McKenzie, Humboldt, Martin, Memphis, Columbia, Franklin & Murfreesboro, TN.