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Serve up the perfect protection with hospitality insurance!

Protect your hospitality business from the unexpected with hospitality insurance from Coverage Cowboy. We’ll provide customized coverage to fit your business’s needs, from events and lodging to bars and restaurants.

Whether you’re a small bed-and-breakfast or a large hotel chain, we’ll make sure you have the coverage you need to protect your business from accidents, injuries, legal fees and property damage.
  • General Liability
  • Workers’ Compensation
  • Professional Liability
  • Commercial Auto
  • Commercial Property
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Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Hospitality businesses and save up to 10% when you bundle!

general-liability

General Liability

Bought by 95% of business owners like you

General Liability insurance is critical for businesses in the hospitality industry. It can cover third-party claims of bodily injury, property damage, advertising injury, and legal expenses related to lawsuits. This type of insurance can provide financial protection if a customer slips and falls on your property or you are accused of copyright infringement.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Auto

Commercial auto insurance is vital for hospitality businesses that rely on vehicles for operations. It provides protection for accidents, damage, and theft of company vehicles. It also covers medical costs and legal fees in the event of an accident, no matter who is at fault. This helps to protect the business from any financial burden that could occur due to an automobile incident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

Workers’ compensation insurance provides financial protection for hospitality businesses in the event a worker is injured or becomes ill due to their job. It covers the cost of medical treatments, wage replacement, and other benefits for workers, as well as legal fees for employers if a worker files a claim. This type of insurance is especially important for hospitality businesses that employ manual labor, as it can help cover the costs of an accident or illness.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for the hospitality industry to protect their physical assets. It covers damage to the building, furniture, equipment, and inventory due to fire, theft, vandalism, and other disasters. It also provides coverage for lost income if the business has to temporarily close due to a covered event. This type of insurance can help hospitality businesses protect their investments and recover from losses quickly.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Frequently Asked Questions about Hospitality business insurance

How does business insurance protect me?
Business insurance can protect hospitality businesses from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a hospitality business:
Liability insurance: This type of insurance can protect a hospitality business from lawsuits stemming from injuries or accidents that occur on the property. For example, if a guest slips and falls in the lobby and sustains injuries, the business could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a hospitality business from damage to its building, equipment, and inventory. For example, if a flood damages the building and furniture, property insurance can help cover the cost of repairs or replacement. Similarly, if the business’s inventory of linens is damaged due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the hospitality business is forced to close temporarily due to a covered loss. For example, if a fire damages the building and the business is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

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Mychal Rivera
Mychal Rivera
March 2, 2023
Great company and team to work with. I’m really impressed with how hands on they are. Glad I made the switch to them. Highly recommend!
Route 23 Nissan Reception
Route 23 Nissan Reception
February 9, 2023
we absolutely love working with Coverage Cowboy. The whole team is incredibly knowledgeable, very professional and attentive with any concerns. They always put the needs of our customers first, the level of customer service they display is out of this world. They always make sure they are satisfied and have the best coverage. We highly recommend their services as they never disappoint us or anyone who we have referred to them.
Mikaila Fargnoli
Mikaila Fargnoli
February 8, 2023
Coverage Cowboy helped me with all my insurance needs for my business.
Neal Sukhia
Neal Sukhia
January 13, 2023
As the owner of a multi faceted hospitality business coverage cowboy was able to navigate and put in place a general liability, workers compensation, property and disability insurance policy for a 50+ employee operation that complied with the requirements of various regulatory agencies. Exceptional understanding of sophistication and strong attention to detail - also very responsive with any claims, renewals, premium financing, etc
Jason Tenner
Jason Tenner
January 13, 2023
Mike and his team at Coverage Cowboy has me covered from all aspects of my business! The policy I signed up in 2023 was a great start to the new year and keep me fully insured.
Michael Perle
Michael Perle
January 13, 2023
Always reliable. Fast and cheap quotes and policies when needed! From boats to homes, they have helped me find the correct policies to keep me fully insured.
Jackie Chalet
Jackie Chalet
January 13, 2023
I worked with Mike Katz. He was extremely knowledgeable and provided better prices and coverage than my previous insurance broker! He truly worked with our best interest top of mind. Highly recommend!
Los Gueros
Los Gueros
January 13, 2023
So thankful for these guys. They were able to help us get fully and correctly covered on all of our 18 locations. Michael has been more than attentive keeping us updated since the very beginning!
Jose Arevalo
Jose Arevalo
January 13, 2023
The Coverage Cowboy team really helped me when I inquired their services. The staff is really family oriented and actually there to assist you for the best coverage. Thank you for all the good business and service.
Kailyn Despotakis
Kailyn Despotakis
January 13, 2023
Extremely professional team and very easy to work with.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Call Us at 551-455-0769

Need help? Call our award-winning support team at (551) 455-0769
or email us at hello@coveragecowboy.com

What We Cover

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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage is dependent on actual facts and circumstances giving rise to a claim. Coverage Cowboy, LLC and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. 

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