Restaurant, Hotel &Bar Insurance Specialists
Looking for hospitality insurance that truly understands your business? We provide specialized coverage—including liquor liability, food contamination, and property protection—for restaurants, bars, hotels, and nightclubs across all 50 states.
Serving Those Who Serve: A Commitment to the Hospitality Sector
The hospitality industry is dedicated to providing exceptional service and memorable experiences. However, this high-touch industry is also fraught with unique risks, from liquor liability and foodborne illness to guest safety and property damage. AGEMA Insurance Solutions delivers specialized insurance and risk management programs designed specifically for the challenges of the hospitality sector. We help protect your reputation, your assets, and your bottom line, so you can focus on what you do best: serving your guests.
The AGEMA Advantage
for Hospitality Businesses
In the fast-paced hospitality world, you need an insurance partner who understands your business. We offer the specialized expertise and market access to provide comprehensive protection where generalist brokers cannot.
Deep Industry Expertise
Our Top Shelf Solutions program is a testament to our deep commitment to the hospitality industry. We understand the nuances of restaurant, bar, and hotel operations and the specific liabilities you face daily.
Exclusive Market Access
We have cultivated direct relationships with leading insurance carriers who specialize in hospitality. This allows us to offer tailored coverage, including difficult-to-place risks like liquor liability, at highly competitive rates.
Proactive Risk Management
We go beyond simply selling insurance. We partner with our clients to provide proactive risk management advice, from employee training and safety programs to claims analysis, helping you reduce your total cost of risk.
Hospitality Risks We Specialize In
Our expertise covers the full range of hospitality businesses. We have the knowledge and market relationships to craft a solution that is a perfect fit for your establishment.
Essential Insurance Coverages for the Hospitality Industry
We build comprehensive insurance programs that address the specific exposures of hospitality businesses.
Commercial General Liability
Protects against common claims like slip-and-fall accidents and foodborne illness.
Liquor Liability Insurance
Absolutely critical for any business that serves alcohol. It protects against claims arising from the actions of an intoxicated patron.
Commercial Property Insurance
Covers your building, equipment, furniture, and inventory from perils like fire and theft.
Food Spoilage & Contamination
Reimburses you for lost inventory due to power outages or equipment failure and can cover the costs of cleaning and business interruption from a contamination event.
Business Interruption Insurance
Replaces lost income and covers ongoing expenses if a covered event, such as a fire, forces you to temporarily close.
Employment Practices Liability (EPLI)
Protects against claims from employees for issues like wrongful termination, discrimination, and harassment, which are common in the high-turnover hospitality industry.
Partner with the Hospitality Insurance Specialists
Your passion is providing a great guest experience. Ours is protecting it. Contact us today for a comprehensive review of your insurance program and let us show you the AGEMA difference.