Restaurants

Hotel and Restaurant Insurance

Mallory Agency has worked with some of the Southeast’s biggest names in the hospitality industry. Our insurance professionals understand that the success of your restaurant, bar or hotel depends on customer satisfaction. In the hospitality industry, it can sometimes be hard to meet these goals with so many opportunities for financial loss. Mallory Agency can create an insurance program to protect your daily operations, your employees, and your guests from unnecessary risk.

With Hospitality Insurance from Mallory Agency, you can trust that your business is covered in the case of out-of-the-ordinary circumstances. Our Hospitality Insurance plans include Hotel Restaurant Insurance plans to cover accidents, theft, or other damages that can occur in your business. We also offer comprehensive coverage for events and activities, such as catering services and special occasions. For added security, we can customize your Hospitality Insurance policy to include coverage for property damage, business interruption costs due to natural disasters, as well as general liability insurance.

Mallory Agency’s professional insurance advisors can create a risk management solution that will reduce your overall insurance costs and help make your business safer. Our team works with many of the top insurance providers around the country, so we can gather quotes from a variety of sources before explaining which policy would most benefit your hotel or restaurant.

When it comes to the hospitality industry, there are dozens of unforeseen possibilities that could leave your business financially liable or could otherwise discourage guests from returning. Our job is to create an insurance portfolio that will cover as many of these risks as possible and reduce the number/cost of these claims. Mallory Agency will review your insurance options, the types of coverage available, and their relative costs to guarantee an insurance solution that fits your business needs.

No matter the size of your Hospitality business, Mallory Agency will help you create a Hospitality Insurance plan that meets your specific needs. Our experienced team of insurance professionals understands the unique challenges of the Hospitality industry, and we will work with you to develop a plan that is tailored to your business.

Coverage Options for the Hospitality Industry

Our highly rated insurance carriers have specialized policies for restaurants and hotels. These policies vary drastically in the types of coverage they offer, but Mallory Agency can help determine which will be the most appropriate fit for your business. Our overall goal is to extend the most coverage to your business while driving down your insurance costs.

Restaurants and hotels are found liable in most cases where a guest/employee suffers an injury or loss. For hotels especially, there are a number of incidents that can be resolved more efficiently and economically with adequate insurance coverage. Some coverage options for hotels include:

Guest property coverage
Delivery errors and omissions
Innkeeper liability
Hospitality equipment breakdown
Utility services
Risk control (including slip and fall protection)

The hospitality industry also poses unique coverage options for restaurants as well. Upholding the physical and nutritional safety of your patrons is a top priority for all restaurants, yet it is still necessary to have an insurance plan that will support your business if an incident does occur. Some of the most popular coverage options for restaurants include:

Auto/Valet liability
Liquor liability
Food contamination and spoilage
Medical payments coverage
Property insurance (including fire coverage)

What Types of Businesses in the Hospitality Industry Do We Cover?

The hospitality industry is a vast and varied sector that incorporates businesses of all shapes and sizes. Mallory Agency has created insurance portfolios for local fast-food restaurants and even upscale dining rooms. Hotels we have covered range in size from small bed and breakfasts to multi-state hotel chains. No matter the size, number of employees, or annual income your business generates, there is an insurance policy for you.

Other businesses in the hospitality industry might include golf courses, casinos, and theme parks. Call Mallory Agency today at 706-884-3339 to see if your business qualifies for an insurance quote.

There are dozens of insurance packages that Mallory Agency can combine to lower your monthly insurance costs and increase your coverage. Our team can also create a policy that incorporates a Business Owner’s Policy (BOP) or employee benefits as well.