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Running a restaurant, café, or hotel is more than just serving guests — it’s managing risk every single day. From a kitchen fire to a guest slip or a data breach from your reservation system, having proper insurance is key to keeping your business safe and thriving.
Property insurance
General liability
Workers' compensaion
Property Insurance
Covers damage to buildings, equipment, and inventory from fire, storms, or theft.
General Liability
Protects against claims of injury or property damage from guests or vendors.
Workers’ Compensation
Pays for medical care and lost wages if employees are injured while working.
Liquor Liability
Required if you serve alcohol; covers claims related to alcohol-related incidents.
Business Interruption
Compensates for lost income during unexpected closures due to covered events.
Cyber Liability
Protects against data breaches from POS systems or online booking platforms.
Guest Property Coverage
Covers damage or theft of guest belongings on your premises.
We combine smart technology with real human support. Enjoy free, dedicated access to a knowledgeable advisor who’s ready to answer your questions, offer guidance, and help you navigate every step of the insurance process.
If your business involves food, lodging, or hosting the public — insurance isn’t a luxury. It’s a necessity.
This package is ideal for:
The cost of food and accommodation business insurance depends on:
Business size and number of locations
Type of services offered (e.g., alcohol service increases risk)
Annual revenue and payroll
History of previous claims
Affordable bundled policies for restaurants, hotels, and bars
Instant online quotes
Real licensed agents & AI Simon for 24/7 help
Trusted by food and lodging businesses nationwide
Cover AI LLC Insurance Agency License No: 3003609556
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