Distinguished Blog - Hospitality & Restaurants

Market insights and industry news.

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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Hotel Property Insurance: 4 Reasons a Hotel Needs It

Murphy’s Law states that anything that can go wrong will go wrong. Perhaps nowhere is this more apt than in the hotel industry. Whether it’s a freak weather event, an accident, or criminal activity, a hotel property is always at risk of something going awry. Hoteliers should prepare for worst-case scenarios and surprise damage bills…

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Will Inadequate Staffing Cause a Rise in Hotel Claims?

During the height of the pandemic, the hotel industry, as with other sectors, was forced to lay off and furlough thousands of employees as a result of government-ordered lockdowns and record-low vacancy rates. As the travel industry recovers, hotels are still struggling to recruit workers back to their properties. According to the latest U.S. jobs…

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Fine Dining Restaurant Insurance: The Details Brokers Need

Fine dining experiences set themselves apart by attending to the details. Every bite, ingredient, and placement on the dish has been carefully considered so that the customer just has to sit back and enjoy. When shopping for insurance, restauranteurs expect the same level of professionalism — every policy, price, and coverage needs to perfectly complement…

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Hotel Insurance Q + A [Webinar Recording]

We enjoyed talking with insurance brokers during our latest webinar, a 30-minute session entitled, “Hotel Insurance – Primary, Umbrella and Beyond!” Our attendees brought the energy and the questions – over 25 questions were addressed in the webinar. Brokers, level up your defenses in this hard market. As one of the longest-running programs in the…

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Boutique Hotel Insurance: The Coverages Clients Need

After coming for diamonds and J. Crew, millennials are now looking to shake up another industry — hotels. Millennials want authentic, local experiences best found in independent or boutique hotels. Due to demand, this hotel industry segment is growing fast, doubling its market size between 2013 and 2019 before taking a hit in 2020.  For insurance…

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Food Truck Insurance: Top 4 Exposures To Know

Food trucks began gaining traction in 2008 as social media and a growing interest in street food converged. Los Angeles was home to the first Kogi taco food truck, while New York began serving dumplings out of a truck more than a decade ago.

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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…

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