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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 New Mexico rules: Southwest 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 New Mexico →
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 generally required at three or more employees, with construction trades required to carry it regardless of count. ARIA reads your operation against both the industry profile and New Mexico specifics before any quote is requested.
Generally at three or more employees, but construction businesses need it with any employee count. The state's mix of contract crews and seasonal work makes payroll classification worth an annual review.
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 New Mexico: wildfire and the urban interface. Record fires demonstrated that New Mexico's wildland-urban interface carries real commercial exposure. Brush zones, defensible space, and carrier wildfire scoring now decide property availability and price in much of the state.
ARIA pre-loads the hospitality & hotels exposure profile with New Mexico 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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