Distinguished Blog - Hospitality & Restaurants

Market insights and industry news.

Distinguished Programs Announces New Program with Core Specialty for Hotel General Liability Coverage

Distinguished Programs (“Distinguished”), a national insurance program manager, today announces a new underwriting program with Core Specialty, an insurance holding company operating through StarStone Specialty Insurance Company (“StarStone”), offering a diversified range of property and casualty insurance products. Distinguished will work with Core Specialty to provide General Liability & Auto Liability coverage for hotels. “We…

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Restaurant Insurance Trends & Impact on Exposures

This is an excerpt from our free “Broker’s Guide to Restaurant Insurance” eBook. Click here to download your copy. Over the last couple of years, restaurants have implemented many changes to be able to run their operations during the pandemic, some of which were highly successful and continue today. Outdoor Dining Across the country, we saw…

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Umbrella Insurance for City Clubs: A Broker’s Guide

In this article, we examine the ins and outs of umbrella insurance for city clubs. Also known as a social club or business club, a city club is membership-based and, as its name implies, is often located in an urban area close to its members’ homes or offices. It’s a place where people can socialize, network,…

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A Broker’s Guide to Fast-Casual Restaurant Insurance

The fast-casual restaurant sector is projected to be valued at $209 billion by 2027 and is among the fastest-growing food chain types in the industry, according to Allied Market Research. Fast-casual restaurants fall somewhere between fast-food operations and restaurants with full-table service. At a fast-casual restaurant, you typically order at the counter either to sit…

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Casino Umbrella Insurance: The Safe Bet

Walk into any casino or hotel-casino, and you are immediately transported to another reality by the barrage of noises from the spins of slot machines, the ding and dong of games, coins hitting metal, and the pitter-patter of the those running the games. There’s also the hustle and bustle of the wait staff and the…

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What are the Main Coverages of Hotel Primary Insurance?

This is an excerpt from our free “Broker’s Guide to Hotel Primary Insurance” eBook. Click here to download your copy. The hotel primary insurance coverages – that is, the direct, first layers of hotel insurance coverage – for a hotel operation should include General Liability (GL), Liquor Liability, Commercial Property, Commercial Auto Liability and Garagekeepers policies….

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Specialized Restaurant Insurance: Costs, Coverages, and Exposures

Like any good chef will tell you, food is all about the details. Restaurant insurance is no different. Many general policies may look appetizing on the surface, but in reality, they lack crucial restaurant-specific coverages, like food spoilage, foodborne contamination or business interruption. That’s why restaurant owners need insurance policies designed specifically for restaurants by…

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Resort Insurance: Why High-Limit Umbrella Coverage Is Essential

In this article, we will explore the key differentiator in a robust resort insurance program – the umbrella policy. Americans hit the road and took to the skies in earnest this summer, with resorts filling up fast  following two years of the pandemic which hit the hospitality and tourism industries hard. Whether it’s a trip…

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5 Reasons You Need Distinguished Hotel Umbrella Insurance

With a solution in just about any hotel class – select-service, luxury, resorts, casinos, and everything in between –  we can help you specialize in the hotel market. Distinguished’s comprehensive suite of hotel insurance products include Primary (including GL and Property), Umbrella, and Cyber Liability coverages. Below are 5 reasons why brokers choose us for…

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How to Sell High-Limit Hotel Umbrella Insurance

This is an excerpt from our free “How to Sell Umbrella Insurance” eBook. Click here to download your copy. For the most part, hotels recognize the importance of purchasing Hotel Umbrella insurance to supplement the liability limits in their underlying policies. In the last several years, however, liability claims have resulted in multi-million-dollar verdicts or…

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Insurance for Caterers: What they Need to be Covered

If you’re expanding from insuring restaurants to also insuring catering businesses, you’d be forgiven for thinking that they’re practically the same. They both sell food, right? The truth is that insurance for caterers varies quite a lot from restaurants and requires you to understand the industry and what unique risks they face. Caterers need brokers…

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