Hospitality in Alaska

Alaska's hospitality industry runs on a short, intense season. Hotels, restaurants, bars, and lodges across the state depend heavily on the May through September tourism window to carry them through the rest of the year. Business Insurance Associates builds commercial insurance programs for hospitality businesses that account for that seasonal pressure, along with the guest liability and alcohol service risks that come with the territory.

Coverage for Alaska Hotels, Restaurants, and Lodges

Hospitality businesses carry a wider mix of exposures than most industries. Depending on your operation, your policy may include:

• General liability insurance for guest injuries and property damage
• Liquor liability coverage for venues that serve alcohol
• Commercial property insurance for your building, furnishings, and equipment
• Business interruption coverage for lost income during a forced closure
• Workers' compensation for kitchen, housekeeping, and front desk staff
• Cyber liability coverage for guest payment and reservation data

Hospitality operators managing a building or storing inventory should also review our commercial property insurance options.

Protecting Revenue During a Short Season

When most of a business's annual income is earned in a few short months, a single forced closure from a fire, equipment failure, or covered weather event can be devastating. We build business interruption coverage into hospitality policies, so a bad month does not put the rest of the year at risk, and we help venues that serve alcohol understand Alaska's dram shop liability rules before a claim happens rather than after.