Hospitality Insurance

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Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Customized Liability Insurance for the Hospitality Industry

Even the best business owners sometimes face challenges. If you’re an insurance agent or broker representing companies in the hospitality industry, you know that an injury to a guest at a hotel, an accident at a casino, or any other mishap can set your client up as the target of an expensive liability lawsuit. Your job is to help them protect their assets by finding comprehensive coverage that reduces their exposure.

With over 30 years of underwriting experience, Prime Insurance Company understands the unique liability risks the hospitality industry faces. Our experts can provide your clients with a wide range of solutions to manage and stay ahead of any risks that could affect their business. And when it’s time to file a claim, Prime Insurance Company will be a trusted partner, providing aggressive legal defense and covering any damages awarded up to the policy limit.

Classes

  • Hotels & Motels
  • Restaurants
  • Bars
  • Nightclubs
  • Theme Parks
  • Theaters
  • Sports Facilities
  • Travel & Tourism
  • Special Events
  • And More!

Coverages

  • Active Shooter Coverage
  • Alleged Assault & Battery Liability
  • Alleged Sexual Abuse & Molestation Liability
  • Commercial General Liability
  • Communicable Disease Coverage
  • Commercial Auto (available in most states)
  • Food Liability
  • Liquor Liability
  • Property Coverage
  • And More!

Questions to Consider:

Is your client prepared for a substantial loss of assets due to gaps or exclusions in their current liability plan?

Many traditional insurance policies restrict certain aspects of liability coverage that professionals should have in place. Standard policies have exclusions and limitations that leave policyholders without coverage. Prime can step in and fill the void for your client in these situations.

Who Can Benefit From Hospitality Insurance?

Hospitality encompasses a wide range of industries. Prime can provide a custom hospitality insurance plan for proprietors of hotels, casinos, and travel and tourism agencies as well as restauranteurs or bar operators who own one or several establishments. We also serve operators of various indoor or outdoor recreational facilities like golf courses, movie theaters, and amusement parks.

What Can Hospitality Insurance Cover?

Depending on the policyholder’s unique needs and circumstances, a casino, hotel, or restaurant insurance plan may cover one or more of the following liability exposures:

  • General liability (GL): A GL plan provides broad liability protection to third parties for injuries or property damage sustained on the policyholder’s premises. It can also cover advertising or reputational damage claims made against your client.
  • Commercial auto: If your client’s company owns one or several vehicles for making deliveries, transporting patrons, or other business purposes, these policies can offer third-party liability coverage for accident-related injuries and property damage.
  • Food liability: Food poisoning can happen even when a kitchen and serving staff follow every safety procedure and protocol. This insurance will protect policyholders if a patron becomes ill and decides to file a lawsuit.
  • Business interruption: If a covered event causes a hospitality business to close temporarily, this insurance can help replace some of the lost revenue.

Custom Hospitality Insurance Covering the Most Significant Exposures

At Prime, we don’t believe that cookie-cutter restaurant or hotel insurance policies serve the best interests of every policyholder. We can offer an all-in-one policy that protects against the most urgent risks. You and your client can also select the coverage types and limits that make sense for their situation. Knowing they have protection against the liability issues that are most likely to impact their business will allow policyholders to sleep better at night.

We Take the Risks That Others Won’t

Has an adverse claims history caused your client’s insurance provider to cancel or non-renew a policy? Are you having trouble finding new hospitality insurance for them elsewhere? At Prime, we specialize in these types of risks. As an excess and surplus lines entity, we can offer a host of creative solutions that are beyond the scope of our competitors. When another insurer says no, we can often say yes.

Partner With a Highly Rated Company

It’s crucial that any insurance partner can deliver when times get tough. Prime is a financially strong company you can trust. AM Best, a leading credit rating agency serving the insurance industry since 1899, has given us a superb “A” (Excellent) rating. We have the resources to pay a claim and related legal and defense costs up to the limits of the policy if necessary. You can choose us for your clients’ liability insurance needs with complete confidence.

You’ll Appreciate Our Streamlined Application Process

We’ve made getting hospitality insurance from Prime a smooth, seamless process. Start by completing and submitting our straightforward online application. We’ll then contact you to set up a convenient phone call to discuss the risk in more detail. Once we’ve received all the information we need, we’ll issue a quote as quickly as possible.

Explore Your Custom Hospitality Insurance Options

Learn more about how a custom hospitality insurance plan from Prime Insurance company can protect your clients from a costly liability lawsuit. Contact us today at 1-800-257-5590 or quotes@primeis.com.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.