Hospitality insurance is a niche, and anyone who tells you otherwise is misinformed. Unlike most home insurance, hospitality companies have a complex risk with variable exposure. It requires attention to detail from both a property, workforce, and casualty insurance standpoint. Comprehensive coverage at competitive prices is needed to manage risk, keep your business secure, protect against property damage, and avoid interruption. Important factors are guest safety, liquor liability, and the unique risks from facilities like amusement parks and the possibility of a power outage. Workers compensation and liability coverage are vital.