Hospitality Industry


Risk Management that responds to your business goals


When it comes to managing risk, you can depend on Valley Insurance Services
to match you with the right coverage.


The financial pressures of the hospitality management industry combined with striving for improvement of safety and reducing claims cost control comes with a need for a specialist who is on top of the industry’s ever-changing risk issues through our involvement in leading industry groups.


We provide expert risk management for hotels, restaurants, resorts, and other hospitality properties. Your workers engage in injury-prone activities and therefore, your business might be susceptible to significant claims activity. As a result, you need strategies to reduce expenses and address:

  • Medical cost containment

  • Claim expense controls

  • Lag reporting practices

  • Hospitality ergonomics


Specialty Coverage Considerations

We offer specialized guidance in hospitality risk management and insurance coverage including:

  • Building a cost-effective property insurance program, especially in catastrophe prone regions around the nation

  • Pollution coverage designed to address damage claims and suits involving pollution alleged to have been caused by your business

  • Structuring business interruption and contingent business interruption programs to help protect your income flow when a storm, strike, flood or other risk turns away guests

  • Developing effective programs to reduce employment practices liability and mitigate claims

  • Handling the unique coverages for hospitality providers, including garage keeper’s liability, innkeeper liability, liquor liability, golf course, daycare, marina, and security hazards

  • Managing executive risks for real estate investment trusts and others


Golf Courses and Country Club Considerations


Our Golf and Country Club policies are specifically designed for the unique exposures within the Golf and Club industry. We determine the right protection for private golf and country clubs, semi-private and daily fee courses, private tennis clubs, golf management companies, homeowners’ associations in gated, year-round communities, city clubs, dining clubs and golf associations on the national, regional and state levels.


Coverage options include:

  • Accident and Health

  • Auto

  • Casualty

  • Crime

  • Directors and Officers (non-profit/for profit)

  • Earthquake and Flood

  • Employee Benefits Liability

  • Employment Practices Liability

  • Fiduciary Liability

  • Inland Marine

  • Liquor Liability

  • Pesticide/Herbicide Applicators Liability

  • Pollution Liability for above ground tanks

  • Limited Pollution Liability (including off-site clean-up)

  • Property

  • Umbrella

  • Workers Compensation




Restaurant Considerations


You put a lot of care into the meals you serve your customers and you need to put the same care into finding the right protection for your restaurant. Valley Insurance Services assists you in finding the coverage that’s tailored to meet the needs of all types of restaurants.


The unique exposures of the restaurant industry is why we offer industry-specific risk control services to help keep your business safe from kitchen fires, foodborne illness, slip and falls and more.

We provide coverage for a variety of restaurant types, including:

  • Company or franchise-owned restaurants

  • Family, casual, or fine dining restaurants

  • Fast casual or quick-service restaurants

  • Food management contractors

  • Independently owned or chain restaurants



In addition, we offer coverages tailored for your restaurant business, including:

  • Business interruption insurance

  • Liquor liability insurance