Everything You Need To Know About Hospitality Business Insurance

​The hospitality business insurance is the best suited to cover businesses in the hospitality industry, such as:

• Hotels
• Restaurants
• Bars
• Bed and breakfasts
• Other similar businesses that involve receiving guests, and providing services for dining, entertainment, recreation, or sleeping accommodations, should be best suited to be covered by hospitality business insurance.

The hospitality industry has businesses with their own unique set of services. It's best to know which ones to get with the types of services your business offers. These insurance coverages may be used in cases of unavoidable incidents like food poisoning of a customer, work-related injuries of employees, and damages caused due to liquor intoxication of a customer.

Public Liability Insurance
A third-party person claiming that your business is to be held responsible for the damage or injury caused by taking your services. For example, the customer claims food poisoning from one of the dishes one has eaten in your restaurant. 

Because of that incident, you are responsible for the compensation for what has happened to your customer. You may be able to pay for such compensation, including the legal expenses, using this type of insurance to cover enough for the damages.

Employers Liability Insurance
Your employees may be compensated using this insurance for work-related injuries or illnesses. Such unavoidable injuries include slipping or tripping on the floor, getting burned, or injuries related to employees with the kitchen as their workstation. Employee compensation should be given depending on the policies stated for this insurance.

Liquor Liability Insurance 
Customers, usually at bars or restaurants, can be intoxicated with alcohol that may cause damage to the company or other people's property within your business operations. You will be held responsible for the damages done by the customers since it's your business that served this person the alcohol. 

Considering the type of food and drinks you serve, this may likely happen again, which this type of insurance should be able to cover.

Conclusion
Hospitality businesses address many concerns and compliance with the safety and well-being of their staff and customers. It's important to prepare and set which insurance coverage will align with your business.

At Desmond Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (859) 491-5100. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.