Insurance by industry
Hospitality Insurance
Hotels and lodging businesses host guests around the clock and protect property, food service and staff.
Coverage built around your work
No two businesses are exactly alike, even in the same industry. We start by learning how you operate, where you work and what contracts or regulations apply, then compare options from the insurance companies we represent.
The policies on the right are a common starting point. We’ll help you decide which ones you need and at what limits.
Typical risks for hospitality businesses
- Overnight guests, public access and premises liability around the clock
- Housekeeping, maintenance and food-service operations under one roof
- Liquor service at bars, banquets and room service
- Property damage from fire, water and guest-caused losses
- Cyber exposure from reservation and payment systems
Common claim examples
Generic illustrations—not predictions about your business.
- A guest is injured on a wet lobby floor after a rainstorm
- A bathroom overflow damages multiple rooms on a lower floor
- A banquet guest alleges over-service of alcohol
- A booking system breach exposes guest payment data
Key coverages we often discuss
- Commercial property and general liability scaled to room count and amenities
- Liquor liability for bars and event spaces
- Workers’ compensation for hospitality staff
- Business interruption after a covered shutdown
- Cyber and crime coverages for payment and reservation systems
Quick quote
Start your quick quote
Tell us about your business in our business (general liability) quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
Form not showing? Open the business (general liability) quick quote form in a new tab.
FAQ
Frequently asked questions
What does Hospitality Insurance typically cover?
Hotels and lodging businesses host guests around the clock and protect property, food service and staff. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for hospitality coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Why does hospitality insurance look different from a generic business policy?
Industries carry different risks — equipment, customers on-site, professional advice, vehicles or specialized contracts. We start with how you operate, then match coverages and carriers to that work.
Can you help if a contract asks for specific limits or a certificate?
Yes. Share the contract requirements and we’ll help align coverage where markets allow, and our service team can issue certificates of insurance for clients when needed.
Hospitality Insurance near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.