Hospitality Business Insurance Coverage

Hospitality business insurance is coverage for businesses such as restaurants and hotels, as well as any other similar types of business that receive guests for paid dining, entertainment, and sleeping accommodations. Coverage includes protection against liability and insurance money for loss or damage.


Training to Your Staff

OVD provides both in-person and virtual training to your staff on workplace safety, dealing with difficult customers, and how to protect valuable property.  


Optimized Outcomes

You deliver the exceptional experience and our advisors will ensure the proper insurance coverages keep your business, employees, and guests protected.



OVD is familiar with the day-to-day and will walk with you to address complex issues that can arise in your work environment and make sure your property and processes meet compliance requirements.

Trusted Coverage

Hospitality businesses face several unique challenges that require careful consideration when deciding on insurance providers. Whether it’s turnover and training of staff, frequent unpredictable interactions with the public, or dependence on unique properties that must be protected, every day introduces risk to ongoing business. Restaurants, hotels, resorts, and even vacation rental properties all require expertise from their insurance brokers. OVD provides custom solutions that scale with your business to protect you and ensure that even if the worst does occur, your business will thrive.

Jennifer is wonderful…prompt, thorough ,knowledgeable, efficient, positive, and very helpful and sweet! It was a great decision to switch to this company.

Who Can Benefit from Hospitality Business Insurance?

Hospitality business insurance can benefit a wide range of businesses in the hospitality industry, including hotels, resorts, motels, restaurants, and other similar establishments. This type of insurance provides financial protection against the unique risks and challenges faced by these businesses, such as property damage, liability claims, and loss of income due to unexpected events such as fires, natural disasters, and equipment breakdowns. Additionally, hospitality business insurance can provide coverage for employee injuries, as well as legal and medical expenses. Having a comprehensive hospitality business insurance plan in place can help businesses in the hospitality industry mitigate potential losses and ensure the continued success and growth of their operations.

Summit Series

View Events
March 19, 2021

American Rescue Plan Act Of 2021

Tripp VanderWal speaks on the American Rescue Plan Act of 2021 in this webinar presented by OVD Insurance.

October 6, 2021

Transportation Insurance ’21

In this webinar, presented by OVD Insurance, Josh Stoll, Kate Paciorek, and Matt Fabry speak about leveraging data and regulations.

February 6, 2020

OVD Cyber Security Summit 2020

On February 6th, 2020, OVD Insurance hosted a Cyber Security discussion as part of their ongoing Summit Series, focusing on important topics and trainings essential to the business insurance landscape.


How does liability insurance protect me against claims from guests or third parties?

Liability insurance can help protect your business from claims made by guests for bodily injury or property damage that may occur.

Is there specific insurance for special events such as banquets or catering?

If your establishment plans to hold special events regularly, it may be worthwhile to purchase additional coverage for any liability or damage that may occur from these events.

What is liquor liability insurance and when is it necessary?

Liquor liability insurance is designed to protect businesses that sell or serve alcoholic beverages to guests when a claim is made.

Should I obtain a policy for cyber security?

When a business stores a large amount of customer data, including credit card information, passport numbers, and personal contact information it is very important to ensure proper protection for sensitive guest information. This can give guests peace of mind when booking and ensure credibility to your establishment.

Let's Connect

Our team is committed to finding the hospitality insurance program that will work for you. Give us a call today to set up a time to chat to discover how OVD can meet your company’s needs.