Food, Beverage & Hospitality

The risks for restaurants, bars, hotels and others in hospitality are numerous.  Failure rates are among the highest of all businesses in this sector, and managing risks and protecting assets is a key component of success.  You may have hundreds, thousands or even tens of thousands of guests on your property on a given day, and each one of those guests represents an opportunity, but only for those who do take risks.

While the hospitality and food/beverage industry share a number of common risks, including property, personnel, customers, inventory, supply chains, and use of vendors, each organization also has their own unique risks and having a formal risk management program in place is key, of which the commercial insurance program can play a significant role.


For 23 years we’ve been working with restaurants, bars and hotels in Alaska and the Pacific Northwest, from fine dining, fast food and food delivery, to bars, brewpubs, taverns, and clubs, our experience staff is ready to partner with you to develop a comprehensive program designed to lower your total cost of risk and protect corporate assets.

If you own a hotel, motel, lodge, bed & breakfast, cabin or other property used to lodge others, chances are you have a fine appreciation for hospitality and customer service.  We’re confident you’ll find those same redeeming qualities in your partnership with Business Insurance Associates, where our experienced professionals will work with you to design a risk management program backed by trusted insurance coverages, unique to your business.

You’re an expert in your industry, you have every right to expect those working with you in professional capacity also be experts in your industry.  Contact our office to learn more about how Business Insurance Associates can be a key asset in your business.

Request a Proposal


  • General liability     
  • Food Spoilage
  • Liquor LiabilityFF
  • Workers Compensation
  • Property & Equipment
  • Short & Long Term Disability
  • Employment Practices Liability
  • Cargo & Inland Marine
  • Equipment Breakdown
  • Cyber Liability
  • Commercial Auto
  • Fidelity Bonds
  • LegalShield
  • Events Coverage
  • Concert Promoter Bonds


  • Contract/Lease  Review & Consultation
  • Financial Review & Consultation
  • Employment Practices Consultation
  • Vendor Management
  • Safety Planning & EMOD Consultation
  • Insurance Review & Marketing
  • Workers Comp Consultation
  • Audit Review & Consultation
  • Surety Review & Marketing
  • Human Resources Consultation
  • Loss Control Assessments
  • Loss Control Reports
  • Inventory & Supply Chain Risk Consultation


An insurance program can be designed to provide spoilage and equipment breakdown coverage?