In Focus

Industry Spotlight: Hospitality

Help your clients reduce exposure and protect against the top claims for hospitality.

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Hospitality

Running a hospitality business means juggling more than just great food and service. Owners and managers must constantly think about safety, continuity, and the guest experience. A fridge breaking down, a slip in the lobby, or a sudden storm can throw operations off balance and cause lasting financial setbacks. This is why proactive risk management paired with the right insurance can make all the difference.

Unique Risks

In hospitality, risk rarely comes from a single source. It’s a combination of physical assets, daily operations, and human behaviour, all layered together to create complex exposures. Operations in restaurants, cafes, motels or clubs often contend with these frequent claim types:​​​​‌ ‍

Escape of Liquid

leaks or burst pipes that can damage stock or guest areas.​​​​‌

    Temperature and Water Monitoring
    Scheduled Maintenance
    Asset Management

Machinery Breakdown

especially when refrigeration or kitchen equipment fails unexpectedly.​​​​‌ ‍

    Vibration Sensors
    Work Order Management
    Scheduled Maintenance

Liability

events like slips, trips or food-related incidents.

    Hazard Reporting
    Lone Worker
    HACCP, food safety and compliance checks

Glass or property damage

burglary, and catastrophic weather events also feature heavily.

    CCTV Monthly Check via Inspections
    Open and Close Checklists
    Cash Handling Training

Monitoring Sensors & IoT

Gain real-time insights with Sensors & IoT

Move from reactive compliance to proactive operations with real-time insights powered by sensors, telematics, and IoT.