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Hospitality

Coverage Built for Hospitality Businesses

Hospitality businesses operate in fast-paced, customer-facing environments where risk is constant. From guest safety and liquor liability to property damage and daily operations, the right coverage protects your business when it matters most.

Why Hospitality-Specific Coverage Matters

Every hospitality business faces different risks based on service type, hours, and guest volume. Generic policies often miss critical exposures. Industry-specific coverage ensures your insurance aligns with how you operate, what you serve, and the risks you face every day.

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Business Man

Work With an Advisor Who Understands Hospitality

Hospitality businesses face unique risks tied to guest volume, service, and daily operations. The right coverage protects your business, your staff, and your guests. At FinPoint Insurance, we build insurance solutions for restaurants, bars, and hospitality businesses designed to support how you operate and grow.

Built for Growing Hospitality Businesses

As your business grows, adding locations, staff, or services, your exposure changes. We help adjust your coverage so your protection keeps pace with your operations.

Who We Work With:

  • Restaurants and bars
  • Breweries and taprooms
  • Cafes and quick-service concepts
  • Hospitality groups and multi-location operators

Risks Hospitality Businesses Face:

  • Slip and fall incidents involving guests
  • Liquor liability and alcohol-related claims
  • Foodborne illness or contamination claims
  • Property damage and equipment breakdown
  • Employee injuries and workplace incidents

FAQs

What insurance does a hospitality business need?

Most hospitality businesses need general liability, liquor liability, property insurance, and workers’ compensation. Coverage can be tailored based on your services, hours, and risk exposure.

Do restaurants and bars need liquor liability insurance?

Yes. If you serve alcohol, liquor liability coverage is critical. It helps protect your business from claims related to alcohol-related incidents involving customers.

Can my coverage grow as my business expands?

Yes. Your policy can be adjusted as you add locations, staff, or services, ensuring your coverage keeps pace with your business.

 

How much does contractors insurance cost?

It varies based on your trade, revenue, location, and claims history. Many small contractors can get basic coverage for a few hundred to a few thousand dollars per year.

 

Modern hotel room with king bed, clean interior design, and natural lighting for hospitality and lodging businesses

Why We're Different?

We don’t take a one-size-fits-all approach to hospitality insurance. Our team works closely with restaurants, bars, and hospitality businesses to understand how you operate, the risks you face, and the coverage you need.

This allows us to build insurance that aligns with real-world exposures, including guest safety, liquor liability, property risk, and daily operations. We also provide ongoing support as your business grows.

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Where Protection
is Our Point

Wilmington Office

1613 Military Cutoff Road Suite 200
Wilmington, NC 28403
info@finpointinsurance.com
Phone: (910) 799-6161
Fax: (910) 799-3033

Leland Office

1018 Grandiflora Dr, Suite A
Leland, NC 28451
info@finpointinsurance.com
Phone: (910) 383-0303
Fax: (910) 383-0304

Southport Office

4911 Old Long Beach Rd SE, Suite 2
Southport, NC 28461
info@finpointinsurance.com
Phone: (910) 454-9800
Fax: (910) 454-8080

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