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Risk Management Solutions for the Hospitality and Gaming Industry
Every hospitality business faces risk. Natural disasters. On-the-job injuries. Power outages. Event cancellations. Cybercrime. Are you adequately insured?
Brown & Brown specializes in helping you take control of your insurance outcomes, so you can focus on bringing joy to your clientele as they dine, rest, or recreate. We collaborate with you to maximize your profitability in the last place you would expect — your insurance program.
Insurance and Risk Management Planning
You work a lifetime to build your hospitality business, so you want to protect your labor of love. When was the last time you did a deep dive to examine your existing insurance coverages?
Many hospitality businesses discover the hard way that they have coverage gaps — or in some cases, too much coverage that cuts unnecessarily into profit margins.
Brown & Brown specialists:
- Consult with you on the various types of insurance and how they help you manage risks
- Assess your risk profile and how to improve it to qualify for more favorable rates and terms
- Review liquor liability coverage options so you and your legal counsel can make informed decisions about how to protect your business, owners, and directors
- Work with every major insurer, enabling us to locate the most cost-efficient combination of coverages for your needs
- Help you design strategies to attract and retain hard-working hospitality employees who embody your customer service philosophy
- Provide claim guidance so you’re not navigating a loss event alone
Whether you are a large, complex hospitality chain or a proprietor with a single establishment, we help you evaluate your current coverages, identify potential trouble spots, and find innovative solutions to manage your risks.
Coverage Needs Vary by Hospitality Business Type
Brown & Brown works with all types of dining, lodging and recreational businesses, along with many combinations. A resort, for example, may have dining facilities, a golf club, and a casino. We assist with insurance and risk management for all components of your operation, so you can streamline your program and administration:
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Restaurants, Bars, and Taverns:
A liquor liability claim or property damage
from a kitchen fire can devastate your
business overnight. Are you confident in your
current risk management strategy? -
Hotels, Motels, and Resorts:
A burst pipe that floods guest rooms can
dent your revenue. An ice patch by your
entrance can lead to lawsuits. Do you have
comprehensive insurance protection? -
Golf Courses and Country Clubs:
From lithium-ion battery fires in golf carts to
managing liquor liability at events, clubs face
wide-ranging risks requiring specialty
solutions. What steps are you taking to
reduce hazards and protect members? -
Casinos and Gaming:
With cash-intensive operations, big crowds
and ever-present cybersecurity threats,
casinos operate in a high-stakes
environment. How do you mitigate risks while
ensuring compliance and guest safety? -
Entertainment Venues:
Resorts with theaters have additional risk
exposures related to guest safety, event
cancellation, performer non-appearance and
more. What precautions and contingency
plans do you have in place? -
Fine Art Galleries:
For resort galleries selling high-value art, risks
like shipping damage and consignment
disputes can threaten your bottom line. Does
your risk management strategy account for
these specialized exposures?
Why Hospitality Businesses Choose Brown & Brown
Many of the specialists at Brown & Brown started in the hospitality industry — as potato peelers, dishwashers, and servers — and we understand the day-to-day challenges. We channel this passion and experience into helping with hospitality-specific insurance and risk management.
Any broker can find you an insurance policy, but we go far beyond that. We see possibilities — whether that’s a unique insurance program structure or innovative risk mitigation strategy. We keep you up to date on regulatory changes, new carriers and coverage types, emerging risks, and what to expect at renewal time so you can plan.
Upon request, Brown & Brown can help with the following:
- Walk your property with you to help identify drainage, roofing, fire sprinkler, safety, and other issues that might concern insurers and affect your rates
- Provide guidance on hiring practices, safety training, and return-to-work programs that reduce the frequency and cost of workers’ compensation claims
- Develop formal training programs for your staff on serving alcohol responsibly to mitigate your liquor liability exposure
- Analyze your online presence through an underwriter’s lens to identify issues that could impact your coverage
- Support insurance due diligence during site selection, so you can compare insurability and coverage costs across prospective locations
By taking charge of your insurance, you maintain more control over your operations, finances, and reputation. This frees up your time to focus on a positive guest experience.
Additional Resources
Before You Sign: An Insurance Due Diligence Checklist for Hospitality Operators
Editor’s Note An earlier version of this article appeared in the Oregon Restaurant and Lodging Association’s blog. Reprinted with permission. Thinking about expanding your restaurant, buying a new property, or leasing a space for your next venture? ...
Market Trends
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Connect With Brown & Brown
Connect with a Brown & Brown specialist to review your insurance and risk strategy. Schedule a consultation with our team to explore options tailored to your hospitality business. Learn how Brown & Brown can help protect your operations and guest experience.
