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Hospitality Insurance

Helping to take care of your hospitality businesses like you take care of your guests

Whether you’re into the pickleball business, running restaurants across the region, or hosting sports teams for their next practice or game at your sports facility, hospitality insurance can help protect you and your guests against damage or injuries caused by foodborne illnesses, property or structural damage, supply loss or other emergencies.

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What is hospitality insurance?  

Hospitality insurance is coverage that helps to protect you, your guests and your business in the event of an accident, damage or loss. It can also provide legal support if a person, like an employee or guest, gets hurt or sick as a result of a business issue, like an injury from structural damage or foodborne illness from soured food.  

Types of hospitality insurance 

Hotels and resorts insurance

Being prepared with hotels and resorts insurance helps ensure you can focus on providing a home-away-from-home experience for your guests. Run your business with peace of mind knowing you can be covered for damage from guests, employees, accidents and more. PCF Insurance professionals can help find solutions to fit your hotel or resort’s individual needs. 

Restaurant insurance 

When you have restaurant insurance, your servers, hosts, cooks and other essential staff members can be covered as swiftly and assuredly as they handle your business. Our hospitality insurance professionals will guide you through the process of selecting the right insurance solutions that work for you, and our service meets the needs of each part of the industry, like bars, cafes, catering, pubs, restaurants (including franchises and groups) and taverns.  

Pickleball facility insurance

PCF Pickleball is your champion when it comes to pickleball facility insurance. Navigating the complexity of an increasingly popular, fast-paced and evolving industry like pickleball calls for an effective risk management strategy. Our insurance professionals will help you through selecting the right insurance solutions, helping to meet the needs of all major parts of the pickleball facility industry.

Sports insurance 

Having sports insurance coverage can help make sure you and your sports facilities stay in the game. Our insurance professionals can work with you to help you feel safe and protected across the industry.

Entertainment insurance

With entertainment insurance in your pocket, you’re taking a substantial step in helping to protect your casinos, hotels, live entertainment venues, nightclubs and other entertainment facilities. Your guests come to your spaces looking for a good time, and you want to make sure to serve them a memorable, fun and safe experience. We can help with insurance solutions matched to your unique needs by our insurance professionals at PCF.

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Benefits of having hospitality insurance 

While not mandatory for owning or running a hospitality business, having hospitality insurance coverage is highly recommended as even the smallest accident could end up with unexpected high costs. The benefits of this coverage include helping to protect yourself and your employees from work injuries or severe illness and guests from business-related injuries and illnesses. It can also protect your business against legal claims and costs, investments like property and stocks, and situations outside your control like inclement weather damage, fire, vandalism and theft. It can also be easier to get third-party investments for your hospitality businesses and licenses if you have insurance policies in place. 

 With PCF’s hospitality insurance solutions, you have someone on your side and ready to help you with a hospitality-related event, accident or injury claim. 





What hospitality insurance covers 

We recognize that each business model within the hospitality industry carries unique risks that require tailored solutions. Our hospitality insurance professionals will guide you through the process of selecting the right insurance solutions that address your specific needs, including some you may not have considered. Hospitality insurance can include:  

  • Active assailant 
  • Assault and battery  
  • Business interruption 
  • Builders’ risk (renovation coverage)
  • Building/property
  • Commercial auto
  • Commercial umbrella
  • Cyber
  • Directors’ and officers’ liability
  • Earthquake
  • Employee benefits
  • Employment-related practices liability (EPLI)
  • Flood
  • Food contamination
  • General liability
  • Hired and non-owned auto liability
  • Innkeepers’ legal liability
  • Liquor liability
  • Participant accident
  • Product liability
  • Professional liability
  • Sexual abuse and molestation
  • Temporary disability income
  • Valet parking
  • Workers’ compensation
  • Workplace violence 
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The risks of not having hospitality insurance 

Because there is so much that goes into the hospitality industry—everything from restaurants to sports—there are numerous costs associated with it, and some of them can be higher than expected. Without hospitality insurance, you risk the financial burden that can come with unexpected accidents involving guests who experience your facilities, as well as structural damages and repair costs.



What hospitality businesses need insurance?

Anyone in the hospitality industry could use hospitality insurance: pickleball courts, sports facilities, entertainment spaces, restaurants, hotels and more. 

Why do I need hospitality insurance?

Hospitality insurance helps to protect you, your guests and employees from business-related damages, injuries, illnesses, potential legal fees and other claims. 

What is the risk of not taking hospitality insurance?

Without hospitality insurance, you risk paying costly expenses for your facilities’ damages, repairs and emergencies out of pocket, and not having a policy on your side to help financially safeguard everyone involved. 

Get Your Quote

Let PCF help serve up financial peace of mind for you. Contact a PCF hospitality insurance professional today!

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