Restaurants & food service
Describe sales mix, cooking, fire suppression and alcohol service.
Hospitality & Leisure insurance · For brokers
For the business behind the welcome.
Bring property, guest liability and workforce exposures together for restaurants, lodging and selected venues.
Hospitality · Restaurants · Venues
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Commercial Property
- General Liability
- Workers’ Compensation
Supporting Lines
- Business Income
- Commercial Auto
- Equipment Breakdown
- Excess & Umbrella
- Liquor Liability
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
Hotels & lodging
Explain room count, protection, amenities and guest activities.
Venues & leisure
Identify events, attendance, activities, security and vendor responsibilities.
Independent & franchised
Clarify ownership, brand standards and responsibility for premises and operations.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- Restaurants & food service
- Hotels & lodging
- Venues & events
- Selected recreation & leisure
Flag for closer review
- Alcohol service
- Entertainment / late hours
- Pools / recreation
- Valet / shuttle / delivery
- Security / event activities
Restaurants & Food Service
Describe food preparation, cooking protection, sales mix, hours and delivery or catering.
Hotels & Lodging
Room counts, building updates, occupancy, amenities and fire protection shape property and guest-exposure review.
Venues & Events
Explain event types, attendance, frequency, vendors, contracts, alcohol service and security.
Recreation & Leisure
Selected recreation, fitness and hospitality amenities are reviewed by the actual activities offered; availability is not universal.
Special operations
Events, valet, shuttle service, transportation, amenities and recreation need operation-specific review alongside the underlying coverage families.
Lodging that needs specialty review
Franchise and independent hotels, exterior-corridor properties and locations without sprinklers may call for a specialty property approach. Building condition, protection and location shape the review.
Operating model and capacity
Describe operation type, guest/room/seating counts, hours and event frequency.
Property and protection
Provide construction, building age, updates, fire protection and property values.
Food and alcohol
Explain preparation, food and alcohol sales, licenses, cooking equipment and suppression systems.
Entertainment and amenities
Describe entertainment, pools, fitness, recreation and participant activities.
Guest services and security
Explain security, valet, shuttle, delivery and event/vendor responsibilities.
People and losses
Provide payroll, employee duties and prior loss or incident history.
See the whole account.
Property & continuity
Hotels & lodging
Property paths for selected hotels, motels and resorts, including eligible independent and franchised properties.
Building characteristics
Exterior corridors and non-sprinklered properties may be considered by selected programs.
Business income
Review interruption, cooking protection and equipment exposures alongside the building coverage.
Guests & employees
Premises liability
Consider guest activities, food service, amenities and events in the liability placement.
Liquor & specialty exposures
Alcohol service, entertainment, security and valet require specific coverage review.
Workers’ compensation
Restaurant and hospitality classes vary by program; confirm the exact operation and state before submission.
The placement desk
Look beyond the front door.
Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Sales mix, liquor exposure & events
- Cooking, protection, security & valet
- Property values, amenities & workforce
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Show the sales and activity mix that explains how the premises are used.
Additional preparation by coverage and operation
Start with these
- Named insured and location
- Type of hospitality operation
- Requested coverage / effective date
- Annual sales
- Payroll
- Current / prior insurance
- Currently valued loss history
- Building / property values when property coverage is requested
Restaurants / food service
- seating capacity
- hours
- food sales
- alcohol sales
- liquor license status
- cooking equipment
- hood / suppression-system information
- entertainment
- delivery / catering operations
- security
- prior liquor-related incidents where relevant
Hotels / lodging
- number of rooms
- building information
- occupancy
- pools
- fitness facilities
- restaurants / bars
- banquet / event facilities
- shuttle service
- valet
- security
- property updates
- fire protection
Venues / leisure
- event / activity description
- attendance / capacity
- event frequency
- alcohol
- security
- vendors
- contracts
- participant activities
- property / equipment
- transportation where applicable
Placement notes
Break out revenue
Separate food, alcohol, lodging and other revenue so the operating model is clear.
Describe amenities and entertainment
List pools, fitness facilities, events and activities with capacity and supervision details.
Explain guest transport and security
Describe security procedures and responsibilities for valet, shuttle and delivery operations.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 8 coverage preparation guides
View guide: Commercial Property
Commercial Property · reference guide
Hospitality & Leisure · Public preparation guide
Commercial Property
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Business Income
Business Income · reference guide
Hospitality & Leisure · Public preparation guide
Business Income
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Equipment Breakdown
Equipment Breakdown · reference guide
Hospitality & Leisure · Public preparation guide
Equipment Breakdown
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: General Liability
General Liability · reference guide
Hospitality & Leisure · Public preparation guide
General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Liquor Liability
Liquor Liability · reference guide
Hospitality & Leisure · Public preparation guide
Liquor Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Hospitality & Leisure · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Hospitality & Leisure · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Auto
Commercial Auto · reference guide
Hospitality & Leisure · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Sales split (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Room count, attendance and event frequency
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Cooking and fire protection
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Alcohol service, security, valet and activities
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Restaurants & food service
- Hotels & lodging
- Venues & leisure
- Independent & franchised
- Flag alcohol service, entertainment, security, valet and special events early. Liquor liability, assault or battery and other specialty exposures need their own coverage review; they are not automatically included in general liability.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Hospitality & Leisure preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
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