Let us worry about your risks while you provide the best experience to your customers.

Great Insurance Solutions for your Hospitality Business

In the hospitality and restaurant industries, you roll out “the red carpet” for your customers doing whatever it takes to ensure a positive experience. At First Policy, we do the same for our clients in the hospitality industry. We offer specialized risk management and insurance programs for hospitality businesses. Your business isn’t exactly predictable. By facilitating a wide range of guests and special events, you are vulnerable to a multitude of exposures – from slips and falls to food contamination are just a few of the hurdles you may encounter.

Hospitality industry faces various risks that can impact their operations, profitability, and reputation.

Our coverages are designed to protect :

Our coverages are designed to protect

Guest Safety and Liability


Employee-related Risks

Liquor Liability

Business Interruption

Food Safety and Hygiene

Reputation and Customer Satisfaction

Insurance policies commonly applicable to Hospitality companies are as follows:


General Liability Insurance




Business Interruption Insurance


Machinery Breakdown Insurance


Workers' Compensation Insurance


Cyber Liability


Commercial Crime Insurance



Our Covers Are Designed Keeping In Mind

Property and Asset Risks

Hotels, resorts, and other hospitality establishments face the risk of property damage or loss due to fires, natural disasters, theft, or vandalism. Such events can disrupt operations, result in significant financial losses, and require costly repairs or replacements.

Guest Safety and Liability

Hospitality businesses have a duty of care towards their guests. The risk of accidents, injuries, or illnesses occurring on the premises can lead to liability claims and legal expenses. Adequate safety measures, proper maintenance, and staff training are essential to mitigate these risks.

Cybersecurity Threats

With the increasing reliance on technology and online transactions, the hospitality industry is susceptible to cyber threats. Data breaches, hacking, or unauthorized access to customer information can result in financial losses, reputational damage, and legal repercussions.

Reputation and Customer Satisfaction

The reputation of a hospitality business is crucial for attracting and retaining customers. Negative reviews, customer complaints, or incidents of poor service can harm the company's image, impact bookings, and result in financial losses.

Employee-related Risks

Hospitality businesses often have a large workforce, which presents various employee-related risks. These may include employee theft, misconduct, discrimination, or workplace injuries. Proper hiring practices, employee training, and comprehensive insurance coverage are necessary to address these risks.

Liquor Liability

Hotels, restaurants, and bars that serve alcohol face the risk of liquor-related incidents, such as drunk driving accidents or injuries caused by intoxicated guests. Liquor liability claims can lead to significant financial losses and damage the establishment's reputation.

Food Safety and Hygiene

Hospitality businesses that offer food and beverage services must adhere to strict food safety and hygiene standards. Failure to meet these standards can result in foodborne illnesses, legal penalties, negative publicity, and loss of customer trust.

Business Interruption

Events such as natural disasters, power outages, or public health emergencies can cause business interruption in the hospitality industry. This can result in canceled bookings, loss of revenue, and the need to refund or relocate guests.

Our Other Services



Marine Insurance

Risk Management

Property Insurance

Liability & Credit Insurance


Engineering & Misc. Insurance