Do restaurants need liquor liability insurance?
Tailored Hospitality Insurance For Your Business
Running a hospitality business means creating great experiences while managing countless moving parts – guests, staff, property, and expectations. At Gild, we provide hospitality insurance designed for small businesses in the service and lodging industry. Whether you manage a restaurant, food truck, or bakery, our flexible policies help protect what matters most. From property damage to guest injuries and employee claims, our coverage options include general liability insurance, business owners policy insurance, and workers compensation insurance. Discover reliable hospitality business insurance that keeps your doors open, your guests happy, and your business protected.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Get Hospitality Insurance?
If you own a business, the right hospitality insurance helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider hospitality business insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could strain your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients or landlords often require proof of general liability insurance coverage.
- Protect your place and tools: Business personal property insurance can cover your business’ property, equipment, and inventory against covered losses like fire, theft, or vandalism.
- Protect Against Injuries, Damage, and Errors: General liability insurance helps cover third-party bodily injury and property damage, while professional liability insurance (E&O) helps protects against claims of professional errors or bad advice.
- Take care of your team and HR risks: Workers compensation insurance provides protections related to on-the-job injuries, and employment practices liability insurance helps address claims of discrimination, harassment, or wrongful termination.
- Keep revenue flowing after a crisis: Business interruption insurance can replace lost income and help you reopen after a covered event.
Why Does My Business Need Hospitality Business Insurance?
Certain hospitality business insurance coverages are required by state or federal law to protect employees and the public from business related risks. The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
- Professional Liability Insurance (Errors And Omissions Insurance) : Commonly required for real estate agents, health and wellness practitioners, and lawyers to protect against claims of professional errors.
The best way to find the right hospitality insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Professional Services
- Building and Construction
- Facility Services
- Retail and Shops
- E-commerce and Online Retail
- Marketing and Media
- Manufacturing
- Pet Services
- Healthcare and Wellness Practices
- Beauty and Salon
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes! If you serve alcohol, liquor liability is crucial:
- Covers claims like property damage or bodily injury caused by intoxicated customers.
- Protects against legal and financial risk if alcohol-related accidents occur.
- Typically required by liquor licensing boards, landlords, and some events venues.
Gild ensures your restaurant is covered wherever alcohol is involved—so you can serve responsibly.
Does catering insurance cover foodborne illness or food spoilage?
Yes! Catering insurance can cover these risks through Product Liability Insurance:
- General liability policies typically include product liability protection, providing coverage if a guest falls ill from food served.
- This also includes allergen reactions, food contamination, or illness claims traced to your preparation.
- Without this coverage, you may face costly legal action stemming from food-related claims.
These protections are vital for food businesses serving clients at events—they safeguard your reputation and financial stability.
Do food trucks need commercial auto insurance?
Absolutely!
- Personal auto policies don’t cover commercial use—driving your food truck without commercial auto insurance can leave you financially vulnerable in an accident.
- Coverage protects against vehicle damage, third-party injuries, and theft while the truck—and your business—is on the road.
Let's Get The Best Insurance For Your Business Today!
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