The hospitality industry presents distinct risks that require specialized insurance solutions. At Worldwide Facilities, LLC, our Hospitality Insurance Program is a non-admitted solution designed to help retail agents and brokers place higher-exposure hospitality accounts. Whether you are placing an urban nightclub, a casino, or a family-run motel, we provide tailored risk management guidance and access to specialty carriers to help protect guests, employees, operations, and property.
Backed by years of underwriting experience in hospitality, this program helps agents secure competitive terms for accounts that may be difficult to place in standard markets. We focus on accounts with elevated liability exposures, alcohol risk, live entertainment, or complex property and business interruption issues.
Ideal Accounts and Target Classes
We concentrate on hospitality operations that face greater-than-average exposures or that need nuanced underwriting. Typical target classes include:
- Bars and Taverns
- Casinos
- Hotels and Motels
- Nightclubs
- Restaurants
This program is a strong fit for late-night venues with live entertainment, restaurants with significant alcohol sales, multi-location motel portfolios with prior losses, or properties with complex property and BI exposures. It is less competitive for very small, low-exposure operations that standard markets will readily accept.
Coverage Highlights and Advantages
The Hospitality Program offers flexible coverage tailored to hospitality operations. Common coverages include:
- General Liability
- Liquor Liability
- Property Coverage
- Assault and Battery
- Equipment Breakdown
- Business Interruption
Because we work with a broad panel of specialty markets, you can access customized solutions for hard-to-place risks — including capacity for higher limits and endorsements suited to hospitality exposures.
Underwriting Notes and Submission Tips
There is no stated minimum premium; however, the program is intended for moderate to high exposure accounts or risks that standard markets may decline. To improve turnaround, submit clean files that include detailed operations descriptions, percent of alcohol sales, hours of operation, security procedures, occupancy type, square footage, property values, and at least five years of loss history when available.
Territories and Availability
Worldwide Facilities offers this non-admitted Hospitality Program in most U.S. states. We are available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Contact us for specific state limitations or regulatory restrictions.
Why Work With Worldwide Facilities?
As a wholesale broker with deep hospitality expertise, Worldwide Facilities pairs specialized underwriting with strong carrier relationships. Our team collaborates with retail agents to tailor coverage, place complex risks, and provide responsive service. We aim to help you grow your book by offering market access and practical placement guidance for challenging hospitality accounts.
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Contact
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