Hospitality

If you have clients with hard-to-place risks in the hospitality industry, we can help. Whether they operate a bar, hotel, or winery, they have complex exposures that require custom hospitality insurance solutions. Our team of specialists has the expertise and market relationships to make it happen. Let us help you win that client.

BROKERAGE & MGA BINDING AUTHORITY

Novatae is an MGA with Binding Authority for several hospitality classes including the following:

Specialty Areas

Banquet halls
Bars
Caterers
Hotels
Restaurants
Staffing
Wineries/breweries

Capabilities

Auto (primary/excess/hired & non-owned)
Business income
Business interruption
Cyber liability
Equipment breakdown
Equipment practices liability
Food contamination
General liability
Inland marine
Liquor liability
Pollution liability
Professional liability
Umbrella (primary/excess)
Workers’ compensation

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FAQS About Insurance for the Hospitality Industry

What types of hospitality risks typically require wholesale insurance solutions?

Hospitality risks that involve liquor liability, high foot traffic, late hours, or unique operations—such as bars, nightclubs, event venues, and wineries—often require wholesale or E&S solutions due to underwriting complexity and limited standard market appetite.

What coverages are most important for hospitality clients?

Key coverages include general liability, liquor liability, business interruption, workers' compensation, cyber liability, and umbrella/excess layers. Many hospitality risks also require specialized coverages like food contamination and equipment breakdown.

Why might a standard market decline a hospitality account?

Standard carriers may decline risks with prior losses, liquor exposure, late-night operations, or high revenue volatility. These characteristics often push accounts into the specialty or excess & surplus (E&S) market.

How can an MGA help retail brokers place hospitality risks?

An MGA with binding authority can underwrite, quote, and bind coverage quickly—often providing access to exclusive programs and specialty carriers that retail brokers cannot access directly.

What makes hospitality insurance complex from an underwriting perspective?

Hospitality businesses face layered exposures including alcohol service, food safety, property damage, employee injuries, and guest-related liability, all of which require tailored underwriting and program design.