Guest activities
Describe the services, events and recreation activities offered.
Hospitality & Leisure
For the places people come together.
Restaurants, hotels, venues and recreation businesses combine guest experiences with property and workforce responsibilities. The services offered, spaces used and activities hosted help shape an account’s coverage considerations.
Coverage considerations
See the operation from every angle.
Property & guest exposures
- Commercial Property
Buildings, business personal property and interruption exposures at insured locations.
- General Liability
Third-party bodily injury, property damage and liability arising from business operations.
- Liquor Liability
Liability exposures arising from alcohol service where relevant to the operation.
People & mobility
- Workers’ Compensation
Workplace injuries, employee exposures and related statutory obligations.
- Commercial Auto
Vehicles used for business, driver exposures and liability on the road.
Additional liability protection
- Excess & Umbrella
Additional liability protection considered alongside the underlying insurance program.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
What shapes the placement?
The details behind the business.
Property and amenities
Building use, cooking facilities and amenities help define the operation.
Food and alcohol service
Service practices and responsibilities are relevant where food or alcohol is offered.
Employees and vehicles
Staff duties and business vehicle use add to the exposure picture.
Loss experience
Prior incidents and corrective measures help explain current risk controls.
Preparing an account
A clearer submission starts here.
Complete information helps our underwriting team evaluate the opportunity efficiently. Useful information may include:
- Applicant and business details
- Requested coverage and effective date
- Current or prior insurance
- Available loss history
- Description of guest services and activities
- Property values and location information
- Sales, payroll and alcohol-service information where relevant
- Safety procedures and available loss history
Industry insights
Put the business in context.
Outline the operation, explain what has changed and organize the supporting schedules. Use the checklist above to prepare a clear account narrative for review.
Review the preparation checklist ↑Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Detailed reference access is being prepared for approved agencies and producers. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- Approved access required
- Territory
- Approved access required
- Limits / capacity
- Approved access required
- Key underwriting considerations
- Approved access required
- Available programs
- Approved access required
- Required submission documents
- Approved access required
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.