Hospitality Insurance
Comprehensive hospitality coverage that safeguards your property and protects against guest-related incidents, giving you the peace of mind to focus on creating exceptional experiences while knowing your business is secure.
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We safeguard hospitality businesses with expertise that tackles your unique operational and liability challenges.
With decades of specialized experience protecting hospitality businesses, our expert advisors bring deep understanding of guest service risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against property damage, liability claims, and foodservice exposures while anticipating seasonal fluctuations and emerging industry trends. Our commitment to ongoing support ensures your hospitality establishment maintains comprehensive protection as your services and guest offerings grow.
Our licensed hospitality insurance specialists serve diverse establishments, from boutique hotels and resorts to restaurants and event venues. Through continuous monitoring of food safety regulations, lodging standards, and guest security protocols, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against foodborne illness claims, property damage incidents, and guest-related liability exposures.
We exceed basic coverage requirements by delivering specialized protection solutions tailored to the hospitality industry. Our comprehensive policies span from property and liquor liability to employee dishonesty and guest medical payments, ensuring your hospitality business remains protected against every potential exposure.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Physical structure coverageprotects buildings against damage from fires, natural disasters, vandalism, and other unforeseen events affecting the premises.
• Contents and equipment protectionincludes coverage for furniture, electronics, kitchen equipment, and inventory against theft, damage, or destruction.
• Business interruption safeguardsprovide compensation for lost income, ongoing expenses, and temporary relocation costs during covered property repairs.
• Utility systems protectioncovers damage to electrical, plumbing, HVAC, and security systems essential for daily business operations.
• General liability protectioncovers guest injuries, slip-and-fall accidents, and property damage claims occurring on the insured premises.
• Food safety liabilityaddresses foodborne illness claims, contamination incidents, and allergic reactions from food served to customers.
• Liquor liability coverageprotects against alcohol-related incidents, including overserving, underage consumption, and associated property damage claims.
• Professional liability protectioncovers employee negligence, service errors, and guest complaints related to hospitality staff performance.
• Workers compensation insuranceprovides medical coverage, lost wages, and rehabilitation costs for employees injured during work duties.
• Employment practices liabilitycovers discrimination claims, wrongful termination suits, and harassment allegations from current or former employees.
• Employee dishonesty coverageprotects against theft, fraud, and embezzlement committed by staff members handling money or assets.
• Staff health insuranceincludes medical benefits, prescription coverage, and emergency care options for eligible hospitality employees.
• Event cancellation protectionprovides compensation for losses from unexpected cancellations, weather disruptions, and vendor-related complications.
• Third-party property coverageprotects against damage to rented equipment, decorations, and temporary structures during special events.
• Guest medical protectioncovers medical expenses, emergency transportation, and injury claims during hosted events or gatherings.
• Venue liability insuranceaddresses property damage, personal injury, and legal claims arising from events held on premises.
On average, Hospitality Insurance costs around $3,500 annually; however, individual premiums vary based on several factors:
Larger hotels and resorts with higher guest capacity face increased liability exposure, resulting in proportionally higher insurance premium requirements.
Properties featuring pools, spas, or fitness centers typically incur higher premiums due to increased guest injury risks and liability concerns.
Beachfront hotels or properties in hurricane-prone regions face elevated premiums due to heightened exposure to weather-related property damage risks.
Hotels with advanced security systems and 24-hour surveillance typically receive premium discounts compared to properties with basic safety features.
Properties offering extensive restaurant services or banquet facilities face higher premiums due to food safety and liability exposure risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard hospitality liability coverage typically includes guest injuries during special events, but certain high-risk activities may require additional coverage. Events involving alcohol, physical activities, or third-party vendors often need specific endorsements or separate policies. It's crucial to review your policy's exclusions and notify your insurer about planned events in advance. Maintaining detailed event documentation, safety protocols, and signed waivers helps protect your establishment and ensures claims are properly covered.
Most hospitality policies cover food contamination incidents resulting from improper storage, preparation, or handling within your establishment. Coverage typically includes product loss, business interruption, and customer illness claims. However, supplier-related contamination might require additional coverage. Regular food safety training, HACCP compliance, and detailed documentation of food handling procedures are essential. Implement strict supplier verification processes and maintain temperature logs to minimize risks and support potential claims.
Standard hospitality insurance includes limited coverage for guests' property through innkeeper's liability protection, but valuable items may have specific caps. Safe deposit boxes and in-room safes usually carry higher coverage limits. Some exclusions apply to items left in vehicles or unattended areas. Maintaining proper security measures, documenting guest valuables, and posting clear liability notices are crucial. Consider additional coverage if you frequently host guests with high-value items.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
