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.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
Guests at a 240-room hotel report norovirus symptoms over a 6-day period. Health department issues a voluntary closure recommendation. 84 guests file BI claims; news coverage causes 3-month occupancy drop; major event books cancel.
Hotel's $2M GL responds to the bodily-injury claims (settles 84 at avg $18K = $1.5M). Business interruption claim denied. Communicable disease excluded on the property form. Operator absorbs $2.8M of lost income + $400K of remediation out-of-pocket.
RiskMind structure includes a communicable-disease BI endorsement on the property form (now broadly available). $2.8M BI + remediation paid inside the limit. Indicative incremental annual premium for the communicable-disease endorsement: $14K–$22K. Hotel reopens on schedule; occupancy recovers in 4 months instead of 12.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
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