Hospitality businesses are built on service, experience, and trust, but they also face a wide range of risks every day. From guest interactions and property damage to employee safety and operational challenges, hospitality insurance helps protect your business so you can focus on delivering exceptional experiences. At Maple City Insurance Services, we help hospitality businesses find coverage tailored to their operations, property, and level of risk

What Hospitality Insurance Covers

General Liability Insurance
Protects your business from claims involving guest injuries, property damage, and everyday risks.

Commercial Property Insurance
Covers your building, furnishings, fixtures, and equipment from risks like fire, theft, and certain weather events.

Business Interruption Coverage
Helps replace lost income and cover ongoing expenses if your business is temporarily unable to operate due to a covered loss.

Workers’ Compensation
Provides coverage for employee injuries and helps meet state requirements.

Equipment Breakdown Coverage
Protects essential systems such as HVAC, refrigeration, and electrical equipment.

Additional Coverage Options

• Liquor liability insurance (if alcohol is served)

• Cyber liability (for reservations, payment systems, and guest data)

• Commercial auto insurance (for shuttle or service vehicles)

• Umbrella insurance for additional liability protection

Who This Coverage Is For

We work with a wide range of hospitality businesses, including:

• Hotels and motels

• Bed & breakfasts

• Resorts and lodges

• Event venues

• Short-term rental operators

Why Hospitality Insurance Matters

Hospitality businesses interact with guests daily, which increases exposure to liability claims and property risks. Without proper coverage, even a single incident could result in costly disruptions.

Hospitality insurance helps protect your business, your guests, and your reputation.