Hospitality & Restaurant Insurance
Hotels, restaurants, bars, catering companies, and event venues operate in a fast-paced environment where risks are as constant as the guests who walk through the door. Bozzuto Group provides comprehensive insurance solutions designed for the unique exposures of the hospitality and food service industries — from slip-and-fall claims to liquor liability and food contamination.
Coverage Options:
- General Liability Insurance: Covers third-party bodily injury and property damage claims, including slip-and-fall incidents on your premises.
- Liquor Liability Insurance: Protects your business against claims arising from the sale or service of alcohol.
- Commercial Property Insurance: Covers your building, equipment, inventory, and furnishings against fire, theft, and other covered perils.
- Workers' Compensation: Provides coverage for kitchen staff, servers, and hospitality employees injured on the job.
- Food Contamination & Spoilage Coverage: Protects against losses from foodborne illness claims and refrigeration breakdown.
- Business Interruption Insurance: Replaces lost income if your operation is forced to close temporarily due to a covered event.
- Employment Practices Liability (EPLI): Covers claims of wrongful termination, discrimination, and harassment — common risks in high-turnover hospitality environments.
- Cyber Liability Insurance: Defends against data breaches affecting customer payment and reservation data.