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Hospitality

Coverage That Safeguards Your Properties and Residents

From apartment buildings to mixed-use spaces, we help protect your investments and steady your rental income.

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Insurance Designed for Habitational Risks, Backed by Experience

Managing habitational properties means balancing the needs of residents with the realities of risk. Fire, severe weather, or liability claims can disrupt cash flow and damage reputation. Advisors builds tailored policies for apartments and mixed-use buildings, ensuring your investment stays protected and your residents remain secure.

Pro Tip: If you serve alcohol, verify you have liquor liability coverage. One incident involving an over-served guest could put your entire business at risk.

Commercial Property

Covers your buildings, common areas, and systems against fire, theft, and natural disasters.

General Liability

Protects against claims of injury or damage from tenants or visitors on your property.

Business Income Insurance

Helps replace lost rental income if a covered event makes your property temporarily uninhabitable.

Habitational Coverage

Specialized protection for apartments and mixed-use buildings, accounting for unique tenant and property exposures.

“Property managers in hospitality and habitational spaces face constant risks. Our mission is to keep those risks from threatening their long-term success.”
Talk to Stewart about your insurance needs.
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“I have been a client with Advisors Insurance now for over 5 years. David Hanor has always gone above & beyond to provide the best quote at the best price. He is very knowledgeable & professional.”

Lorraine T.

Advisors has been fantastic. My wife and I are new to the area, and we're so thankful that someone recommended Andrew and the staff at Advisors to us. I called Andrew out of nowhere and he took the time to understand our story and what we needed. I never felt pressured into anything I wasn't interested in. Everything was handled in a timely manner, and very professionally. Overall, it was a great experience and I'd happily recommend Andrew, Jake, and the entire Advisors team. We're looking forward to working with them in the future.

Bobby Raulerson

Advisors Insurance, and David Hanor in particular, provided outstanding customer service and products. David was very responsive in meeting my insurance needs and in communicating various options to me. He provided fantastic coverage while also saving me hundreds of dollars per year as compared to my previous policies. Thanks, David and Advisors!

Zach Ellis
FAQs

You’ve got questions. We’ve got answers. For questions related to your specific situation, let’s have a chat. 

Any questions not covered below?
What insurance does a hospitality business need?

Hotels and venues typically need general liability, property, business interruption, workers’ comp, liquor liability, and cyber coverage.

Does insurance cover guest injuries?

Yes. General liability covers slips, falls, or accidents that happen on your property.

What if a guest damages their room?

Property insurance helps cover damage caused by guests, while deposits or waivers help offset smaller issues.

Do I need liquor liability insurance?

If you serve alcohol, yes. It protects your business if a guest becomes intoxicated and causes injury or damage.

Are hospitality businesses at risk for cyberattacks?

Absolutely. Hotels store sensitive guest payment and ID data, making cyber liability essential.

How often should coverage be reviewed?

Annually, or whenever you add new amenities, expand locations, or remodel facilities.

Client Spotlights & Articles

Knowledge Center

Explore our advice on insurance and risk management and get to know some of our small business clients.

Claims and How to Improve Your Business

We want to share information on how to improve your business and further protect it from both harm as well as explore processes to improve profitability and efficiencies.

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Managing your Restaurant Remotely

With the right technology, it is possible to run a restaurant remotely while keeping operations running smoothly.

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Paseo Tapas & Wine Bar

At Paseo, they’re serving up a menu of Spanish-inspired tapas-small plates designed for sharing, snacking, and savoring.

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Our team is here to make insurance simple, personal, and stress-free.
Reach out, and we’ll make the process of getting the protection you need is simple from start to finish.