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Hospitality and restaurants

Hospitality businesses and restaurants can face unique exposures that require special insurance needs. The Hanover Hospitality Advantage offers top-rated coverage at competitive rates.

Hanover is serving up a collection of solutions for your clients in the hospitality and restaurant industries. We offer an array of products and coverages, with expert underwriters and experienced risk managers who are responsive and knowledgeable. The Hanover's leading solutions meet the changing needs of the hospitality and restaurant industry.






  • Luxury
  • Upscale
  • Full-service
  • Limited-service
  • Boutique
  • Independent
  • Membership clubs
  • Full-service
  • Limited-service
  • Fine dining (white tablecloth)
  • Family/casual establishments that offer table service


  • Economy hotels and motels
  • Seasonal hotels and timeshares
  • Resorts, hotels with waterparks or casinos
  • Fast food restaurants
  • Food service contractors
  • Banquet/wedding halls
  • Mobile food trucks

Product offerings

Specialized coverages and endorsements

In addition, we offer specialized products that offer hospitality businesses enhanced protection:

The Hanover Hospitality and Restaurants Advantage

At The Hanover, we're serving up the value of comprehensive protection. Our Hospitality and Restaurants Advantage solution protects against the unique risks faced by businesses in the hospitality and restaurants industry. Unlock the Hanover Advantage:

  • Significant experience — We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
  • Competitive products — Our innovative and comprehensive product suite with business owner's policy and commercial package policy options can be designed to fit current and future needs, including:
    • Industry-specific broadening endorsements
    • Three coverage options for errors and omissions
    • Total account solutions 
  • Dedicated claims team — Our claims teams have years of industry expertise and experience handling the unique types of claims hospitality and restaurant businesses can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.
  • Risk management services — We assist customers with safety procedure improvements, commercial cooking safety, disaster preparedness and business continuity planning, and provide employee training programs.
  • Risk Solutions partnership — We partner with vendors who can offer specialized hospitality services, such as criminal background checks, disaster recovery planning, testing and inspection of alarm systems and 24/7 monitoring, employment screening services and more.
  • Trusted partner — We have the support and financial strength of an "A" rated leading insurance carrier.


Property and casualty

Jim Albertson
AVP, Industry Solutions

Marine and industrial property

Chris Zaneski
VP, Distribution Management

Management and professional liability

Jon Martin
VP, Distribution Management

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