Commercial insurance for hospitality businesses

Damage to physical property can mean more than costly repairs for a hospitality business. When guest rooms or shared spaces cannot be used, it can also disrupt reservations and revenue.

Property coverage helps cover the cost of repairing or replacing covered buildings, furnishings, equipment, and other business property after an incident. Business Interruption coverage can help replace lost income and pay certain ongoing expenses while operations are temporarily suspended.

THREE’s policy includes Property and Business Interruption coverage, helping your business when property damage occurs.

If an employee clicks a fraudulent email, hackers could gain access to your network and expose guests’ payment or contact information.

Cyber Liability coverage helps cover certain expenses associated with a data breach, while Cyber Incident Response helps manage the breach, notify affected customers, and recover compromised systems.

THREE’s policy includes Cyber Liability coverage and Cyber Incident Response, helping your business respond and recover after a covered cyber incident.

From housekeeping and maintenance to serving guests, hospitality employees perform physically demanding work that can lead to injuries on the job.

Workers’ Compensation helps cover medical care and lost wages when an employee experiences a covered work-related injury or illness.

THREE’s policy includes Workers’ Compensation, helping protect your employees and your business when a workplace injury occurs.

Hospitality businesses rely on their employees to create a welcoming guest experience. Disputes involving harassment, discrimination, or termination can lead to costly employment-related claims.

These claims typically aren’t included under General Liability. To help protect your business, you need Employment Practices Liability Insurance (EPLI).

THREE’s policy includes Employment Practices Liability Insurance, helping protect your business and reputation when an employee makes a claim.