Hospitality Insurance, Benefits and Risk Advisory

Hospitality commercial lines programs require coordination across property, general liability, liquor liability, commercial auto and umbrella layers that standard market structures rarely address as a unified program. For hotels and resorts, property schedules must account for coastal and weather-exposed assets, business interruption (BI) tied to revenue per available room (RevPAR) and average daily rate (ADR) calculations and equipment breakdown exposures that extend closures. For restaurants and bars, liquor liability capacity has become the defining program design challenge as dram shop exposure generates both frequency and severity claims in jurisdictions with strict statutory frameworks.

HUB's market relationships and program scale provide access to carriers and capacity structures that individual operators cannot access independently. For franchise groups, HUB Franchise Insurance Solutions simplifies compliance with franchisor certificate requirements across multi-unit portfolios. For larger operators, HUB provides umbrella and excess capacity through collective purchasing. 

Hospitality risk management spans slip-and-fall prevention, human trafficking detection training, food safety protocol design, compliance advisory for physical and digital properties, workplace violence preparedness and fleet safety management for hotel shuttle and restaurant delivery operations. HUB's Risk Services team works alongside hospitality operators before incidents occur, designing safety programs, running benchmarking analytics to identify loss drivers and building the documentation that supports carrier negotiations at renewal.

When incidents do occur, HUB's claims advocates manage the process from first report through resolution. For complex claims like weather-related property losses, multi-party liquor liability judgments, cyber breach response, HUB's specialists coordinate between carriers, legal counsel and remediation vendors to protect the outcome the operator needs rather than the outcome that is easiest for the insurer to close. Fleet risk management programs extend the same approach to hotel shuttle and restaurant delivery operations.

Attracting and retaining hourly workers in hospitality is among the most persistent operational challenges in the industry, and the hospitality employee benefits program is one of the few levers operators can pull.

HUB's employee benefits advisors work alongside HUB's Commercial Insurance and Risk Services teams, so a workers' compensation claim reduction program, a return-to-work protocol and a benefits plan adjustment are coordinated rather than siloed. This integration matters most when labor pressure and insurance cost are both rising and operators need every decision to do more than one thing.

Hospitality businesses with a stable core workforce of managers, chefs, senior operations staff and corporate employees, carry  obligations under qualified retirement plans that require the same rigor as any other regulated employer. For gaming and lodging operations, plan design must account for the specific legal and employment structure of these enterprises, where standard registered pension plan frameworks do not always apply in their conventional form. For PE-backed portfolio companies, retirement plan administration and cost management are evaluated alongside other operational metrics during diligence and post-acquisition integration.

HUB's retirement services advisors bring plan design expertise to hospitality employers managing workforce complexity alongside CAPSA guidelines. This is in direct coordination with HUB's employee benefits and HR consulting teams, connecting retirement plan design to the broader workforce and benefits strategy those teams are already managing.