ARIA · loading
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 Tennessee rules: Southeast 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 Tennessee →
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 five or more employees, but construction trades need it with as few as one. The construction carve-out catches growing contractors by surprise. ARIA reads your operation against both the industry profile and Tennessee specifics before any quote is requested.
Generally at five or more employees, but construction businesses need coverage with even one employee. Subcontractor payroll without certificates lands on the hiring contractor's audit, which is the most common surprise we see.
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 Tennessee: tornado and straight-line wind. Middle and West Tennessee sit in the most active corridor of Dixie Alley. Nocturnal tornadoes and derecho-class wind events drive property and business-interruption losses that test both limits and extension periods.
ARIA pre-loads the hospitality & hotels exposure profile with Tennessee 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
ARIA · live across every page