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Covers claims of bodily injury or property damage to third parties. This is typically required by law for hospitality businesses to operate safely.

Provides coverage for businesses that serve alcohol in the event of claims arising from alcohol-related damages or injuries. Often legally required in jurisdictions with Dram Shop laws.

Protects the physical assets of the business—from the building to the furnishings—against damage from events like fires, storms, or vandalism.

Mandatory in most jurisdictions, it covers medical expenses, lost wages, and rehabilitation costs for employees who get injured or sick from their job.

Covers the cost of replacing spoiled food and loss of income due to contamination which can also include costs associated with a forced shutdown by the health department.

Provides income protection for businesses when operations are halted due to direct physical loss or damage such as from a fire or natural disaster.

Covers vehicles owned by the hospitality business for liability, collision, and comprehensive damages, required if the business owns and operates vehicles.

Protects against risks associated with digital information and cyber security breaches, important for hospitality businesses that store personal guest information.

Provides protection for businesses against claims by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues.

Covers financial losses due to the unexpected cancellation of events for reasons such as extreme weather, natural disasters, or terrorism.

Provides extra liability coverage that extends beyond the limits of the business's existing policies, acting as a supplemental policy to cover large claims.

Offers financial protection to the company's directors and officers against lawsuits alleging wrongful acts in their capacity as corporate leaders.

Offers protection against claims for property damage or bodily injury caused by environmental accidents like spills or contaminations.

Although not always legally required, providing health insurance can help hospitality businesses retain staff and may be mandated under certain regulations like the Affordable Care Act (ACA) depending on business size.