Luxury resort with pool and ocean view at sunset

Hospitality & Resort Insurance

Comprehensive protection for hotels, resorts, and event venues. From guest injuries to cyber threats and hurricane closures, we cover the unique risks of hospitality operations.

Get Your Free Hospitality Quote 1-800-252-6885

Hospitality & Resort Insurance at a Glance

Liquor liability (dram shop coverage) is essential for any Florida hotel, bar, or venue serving alcohol. Claims average $15K–$75K, with some exceeding $200K under Florida Statute §768.125.
Business income coverage protects revenue during hurricane-season closures. Peak tourism (June–September) overlaps directly with hurricane season, putting seasonal earnings at risk.
Workers compensation is required for hospitality businesses with 4+ employees in Florida. Housekeeping and kitchen staff have among the highest injury rates in the industry.
Cyber liability covers POS breaches and guest data theft. Hotels process thousands of credit card transactions daily, making PCI DSS compliance and breach response coverage critical.
Greene & Associates shops 20+ carriers to build customized hospitality packages — property, liability, liquor, workers comp, and business income bundled for your specific operation.

Coverage Types for Hospitality & Resorts

Build a comprehensive insurance package that protects every aspect of your guest operations.

Commercial Property

Covers your building, furnishings, equipment, and inventory against fire, theft, hurricane damage, and wind. Critical for large structures with guest amenities.

General Liability

Protects against bodily injury and property damage claims from guests, including slip and fall injuries, food service incidents, and common area accidents.

Liquor Liability

Essential for bars, restaurants, and event venues. Covers dram shop liability claims when guests are injured or cause damage after consuming alcohol on premises.

Workers Compensation

Required in Florida for hospitality businesses with 3+ employees. Covers housekeeping injuries, kitchen burns, repetitive motion injuries, and workplace accidents.

Business Income

Protects revenue during forced closures from hurricanes, fires, or other covered events. Critical during peak season overlaps with hurricane months.

Cyber Liability

Covers data breaches, POS system failures, and guest credit card theft. PCI DSS compliance required for all businesses processing credit cards.

Common Hospitality Industry Risks

Understanding these risks helps you choose the right coverage for your property.

Guest injuries from pool, beach, fitness center, or water slide accidents

Liquor liability claims when intoxicated guests cause damage or injury

Foodborne illness outbreaks from dining facilities or catered events

Business interruption from hurricane closures during peak season (summer/fall overlap)

Employee theft of guest property, minibar inventory, or personal items

Data breaches of guest credit cards and personal information

ADA compliance claims from inaccessible facilities or discriminatory service

Bed bug, pest, and mold infestations damaging guest rooms and reputation

Why Choose Greene & Associates?

Liquor Liability Specialists

We specialize in dram shop coverage for bars, restaurants, and event venues. We understand Florida's liquor liability landscape and work with carriers that cover hospitality.

Hurricane & Business Income

Florida hospitality depends on seasonal revenue. We structure business income coverage to protect your earnings during forced closures and hurricane season interruptions.

Hospitality Experience

We know the difference between a boutique hotel, a beach resort, and an event venue. Our agents work with 20+ carriers to build customized policies for your specific operation.

Hospitality Insurance Throughout Florida

From Miami Beach to the Panhandle, Greene & Associates insures Florida's hospitality industry.

Miami Beach & South Beach

Luxury hotels, nightclubs, and high-end resorts. South Beach hospitality operates at premium price points with significant liquor liability exposure and high-value guest property at risk.

Miami Insurance

Orlando & Theme Park Corridor

International hotels, family resorts, and convention centers. High guest volume and diverse operations require comprehensive liability and property coverage tailored to your property size.

Orlando Insurance

Tampa Bay & Gulf Coast

Beach resorts, waterfront restaurants, and event venues. Gulf Coast hospitality faces unique hurricane and salt-air exposure. Business income protection is essential here.

Tampa Insurance

Fort Myers & Naples

Upscale resorts and waterfront hotels. Southwest Florida serves affluent visitors and retirees. Property values are high, and comprehensive coverage reflects that.

Fort Myers Insurance

Jacksonville Beach

Beach hotels, ocean-view restaurants, and convention hotels. Northeast Florida tourism is growing, bringing new hospitality operations and coverage needs.

Jacksonville Insurance

Keys & Panhandle

Island resorts, beach bars, and vacation rentals. Remote hospitality operations require specialized coverage and service. We understand seasonal closure impacts on business income.

Panhandle Insurance

Based in Lake City, serving hospitality businesses statewide.

Frequently Asked Questions

Liquor liability (dram shop coverage) protects you when guests are injured or cause damage after consuming alcohol on your premises. Under Florida law (§768.125), bars and restaurants can face significant liability claims. If you serve any alcohol — whether in a bar, at a restaurant, in a nightclub, or as part of event catering — you should have liquor liability coverage. Claims average $15K-$75K, with some exceeding $200K.

Florida tourism is a $100B+ industry, and peak season (June-September) overlaps with hurricane season. Business income coverage replaces lost revenue if you're forced to close due to a covered event. This protects your payroll, operating expenses, and profit during the closure period. It's essential for hotels and resorts that depend on summer and fall bookings.

Hotels process thousands of credit card transactions and hold guest personal information. A POS system breach or ransomware attack can expose guest data, violate PCI DSS compliance, and trigger expensive notification and remediation costs. Cyber liability covers the costs of notification, credit monitoring, regulatory fines, and business interruption from system failures.

Housekeeping has one of the highest injury rates in hospitality — staff suffer repetitive motion injuries, chemical exposure, and back injuries from lifting and cleaning. Kitchen staff face burns, cuts, and slip injuries. A single workers comp claim can cost $50K-$250K. Proper coverage is non-negotiable, and seasonal staffing gaps can create compliance issues if not managed carefully.