Property & business interruption
Coverage for buildings, equipment, and the income you lose when you have to close.
- Equipment breakdown and spoilage
- Business income with seasonal patterns
- Utility interruption and civil authority
Industries · Hospitality
Insurance and benefits for hotels, restaurants, and venues
Hospitality runs on people and property. We protect both — with coverage built for guests, alcohol service, payment data, and high-turnover workforces.
Guests, alcohol, kitchens, and hourly teams create risks most policies miss.
We understand how hotels, restaurants, and venues operate. That means the right liquor liability limits, business interruption that reflects your real seasonality, and benefits that help you hire and keep good staff.
Hospitality insurance solutions
General & liquor liability
Guest injuries and alcohol-related claims are among the costliest hospitality losses.
- Liquor liability (dram shop)
- Assault & battery coverage
- Umbrella and excess limits
Workers’ comp & EPLI
Protect your team and your business from workplace injuries and employment claims.
- Kitchen and housekeeping injury exposure
- Employment practices liability
- Wage-and-hour defense options
Benefits for hourly workforces
Affordable, ACA-compliant benefits that help you recruit and retain staff.
- ACA strategy for variable-hour employees
- ICHRA and minimum essential coverage options
- Voluntary benefits at no employer cost
Why hospitality businesses choose Celerity
Industry experience
We understand how hotels, restaurants, and venues operate — and what can go wrong.
People and property together
One advisor for your benefits, workers’ comp, and liability program.
Cyber awareness
Card payments and guest data make cyber coverage essential.
Responsive service
Certificates for events and vendors when you need them.
How we work
A clear process from first call to every renewal
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Discover
We learn your goals, workforce, budget, risks, and renewal dates — before we recommend anything.
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Analyze & benchmark
We review your current plans, policies, and claims history, and benchmark them against companies like yours.
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Market & recommend
We take your program to the market and present side-by-side options in plain language, with a clear recommendation.
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Implement & advocate
We handle enrollment, employee communication, claims help, and compliance — and stay with you all year.
Frequently asked questions
What is liquor liability insurance?
Liquor liability covers claims that arise when a guest who was served alcohol at your business injures someone or damages property. It is usually excluded from general liability, and landlords, lenders, and event clients of TABC-licensed businesses often require it.
How do the ACA rules apply to restaurants with part-time staff?
Employers with 50 or more full-time equivalent employees must offer affordable coverage to full-time employees or risk penalties. Variable-hour staff are measured over a look-back period. We help you set up measurement and choose cost-effective plan options.
Protect your property, guests, and team
Get a hospitality coverage review from an advisor who knows the industry.