Distinguished Blog - Hospitality & Restaurants

Market insights and industry news.

Hotel Insurance Costs and Coverages for Brokers in 2022

Coverages and costs. When it comes down to brass tacks, this is what matters to the insured. They want to know that their hotel insurance will cover them when they need it to and won’t cost them a small fortune.You need to put hotel insurance coverages and costs in perspective, so you can answer the…

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Cyber Liability Insurance: A Quick Rundown from Distinguished

This Article Highlights: What cyber liability insurance is and key coverages Cost of cyber liability coverage How brokers can sell cyber coverage to hospitality clients In 2022, a panel of risk management experts declared cyber incidents the biggest threat to businesses worldwide. It beat out natural disasters (25%), pandemics (22%), and even supply chain disruptions…

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9 Restaurant Insurance Exposures You Need to Know

Restaurants face a number of exposures, including those that all businesses face and others that are specific to the industry and their operation. Restaurant insurance claims stem from property, liability, cyber, crime, and employment practices-related exposures. The key is in ensuring the right insurance program and protocols are in place to transfer and mitigate these…

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5 Reasons You Need Distinguished Restaurant Insurance

Distinguished is your one-stop shop for restaurant insurance needs. Watch this quick 1-minute video above highlighting our comprehensive coverage. Or read below to learn more: Reason #1: One-Stop Shop for Restaurants Distinguished offers Property, General Liability, Liquor Liability, EPLI, Umbrella, Cyber, and other product enhancements. You’ll be able to provide exclusive protection from an A+…

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The Case for Higher-Limit Hotel Umbrella Insurance

Hotels, for the most part, understand the need to purchase Commercial Umbrella insurance to extend the liability limits in their underlying policies such as General Liability. But what is key to driving home is the need for high-limit Hotel Umbrella insurance. It is critical in today’s litigious environment where nuclear verdicts and settlements are commonplace….

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14 Ways Hotels Can Mitigate Risk at Onsite Gyms

Accidents will happen… and they can happen at hotel gyms if proper precautions aren’t in place. Some of the worst injuries happen in workout settings. A guest trips over a kettle ball left on the floor while someone else tries yoga and sprains their back. So how can hotels mitigate risks at their onsite fitness…

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How Much Does Restaurant Insurance Cost?

Restaurants require protection against many different types of hazards. To address their various risks, General Liability, Commercial Property, EPLI, Cyber Liability, and Umbrella Liability are just some of the coverages that should make up a restaurant’s insurance program. But how do insurers determine the restaurant insurance cost? The cost of a restaurant insurance program depends…

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Hotel Cybersecurity Best Practices

In 2018, after detecting suspicious activity in the reservation database of a Marriott hotel company, security investigators discovered two forms of malware. Hackers had used one program to access the hotel computer system and another to surf its memory for valuable data. The massive security breach stole private information like passport numbers and credit cards…

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Ghost Kitchens Insurance Package… A Closer Look

Ghost kitchens, also known as “cloud” or “virtual kitchens,” are cooking facilities chefs and restauranteurs can lease. There are no dining rooms, seats, tables, waiters, hosts/hostesses, cashiers, or patrons. As one publication described them, ghost kitchens are sort of the “We Work” for chefs. In essence, they are physical spaces for operators to create off-premises…

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A Closer Look into Primary Hotel Insurance Benefits

Distinguished has been in the hotel insurance business a long time, protecting more than one million of the nation’s hotel rooms with our Umbrella Program. Over the years, we’ve added General Liability (GL), Commercial Auto, and Cyber Liability to our product lines to address and respond to the various exposures hotels face. Now hotel insurance…

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Cyber Rates Are Going Up, but Purchasing Coverage Is More Important Than Ever

While many of the cyberattacks that get press are against high-profile entities or organizations, all types and sizes of business, including hotels and restaurants, are vulnerable to the sophisticated methods utilized by today’s cybercriminals – from phishing to ransomware and scareware tactics. Additionally, cybercriminals have upped their game with attacks rising consistently over the last…

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