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Hospitality concentrates the highest premises-liability frequency of any industry. Slips, falls, food-borne illness, guest assaults, employee misconduct. Layer on liquor, brand requirements from a franchisor, and high turnover, and the coverage needs both depth and tight management. The line that surprises operators is liquor liability. Most CGLs exclude it entirely.
Below is that profile under Montana rules: West perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Hospitality & Hotels →
The perils and statutes that change how hospitality & hotels coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Montana →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for hospitality & hotels typically starts with Commercial General Liability w/ third-party EPL, Liquor Liability (stand-alone), Property w/ business income + extended period, Workers' Comp + experience-mod management, structured in that order. Workers' compensation is required from the first employee, with a competitive state fund operating alongside private carriers. ARIA reads your operation against both the industry profile and Montana specifics before any quote is requested.
Yes, from the first employee. Montana State Fund provides a market for harder classes alongside private carriers. Remote-work severity makes medical-transport planning part of loss control here.
For the industry itself: liquor liability exclusion. Most CGL forms exclude liquor liability for any insured selling, serving, or furnishing alcohol. Stand-alone liquor liability is required and often missed at renewal when the insured shifts from beer-only to full bar. Layered on top in Montana: wildfire season as operating reality. Fire seasons now threaten timber operations, gateway-town hospitality, and ranch structures on a near-annual basis. Carrier scoring, mitigation documentation, and smoke-related business-income terms all deserve attention before July.
ARIA pre-loads the hospitality & hotels exposure profile with Montana perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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