Hospitality

A practical map from operating exposure to policy, wording, claim, and risk-control decisions.

Key risks

Fire and property damage
Guest liability
Food contamination
Disease or closure
Revenue seasonality

Recommended policies

Property All Risks
Business Interruption
Public Liability
Crime
Cyber
Employers' Liability

Critical extensions

Denial of access
Loss of attraction
Food contamination
Guests' effects
Seasonal BI

Common gaps

Indemnity period too short
Disease exclusion overlooked
Revenue basis incorrect
Outdoor assets omitted

Typical claims

Kitchen fire
Guest injury
Water contamination
Reservation-system outage

Risk-management advice

Model recovery and reputation period
Document food safety controls
Include seasonal revenue
Review authority-action triggers

This is a general industry map, not a recommendation for a particular business. Requirements may depend on contracts, activities, locations, values, law, risk appetite, and complete policy wording.