Hospitality & Restaurant Insurance
Coverage That Serves Your Business Well
In hospitality, your reputation is everything.
Hotels, restaurants, and event venues never close their doors to risk. At Champion Risk, we create insurance programs that protect your property, your people, and your guests – ensuring your business continues to deliver exceptional experiences.
Insurance Solutions Built for Hospitality
The restaurant and hospitality industry is tough, competitive, and requires lots of hard work. It’s also risky, and insurance claims can often take a bite out of sometimes razor-thin profits – or even close down a business entirely. Champion Risk serves premiere restaurant clients and some of California’s largest independent dining and hospitality enterprises, including:
- Fine dining establishments
- Fast casual eateries
- Hotels, resorts, and country clubs
- Bars, dance clubs, and entertainment venues
Our risk managers can even help you put proactive programs in place to help avoid unnecessary claims in the future.
Whether you run a boutique hotel, a fine dining restaurant, or a national franchise, our team delivers insurance strategies tailored to your unique operations.
Lines of Coverage
Property & Casualty Coverage – Safeguard buildings, furnishings, and business income.
General & Liquor Liability
– Protect against guest claims and alcohol service exposures.
Workers’ Compensation – Keep your team safe and supported on the job.
Cyber Liability – Defend sensitive guest and payment data from digital threats.
Employment Practices Liability (EPLI) – Protect your business from HR-related claims.
- Employee Benefits
- Umbrella
- Spoilage
- Business Income
- Assault & Battery
Core Services
Our knowledge extends far beyond standard commercial insurance products. We believe in a comprehensive, full-service approach to insurance placement and our account management responsibilities.
- Nationwide capabilities
- High experience modifications accepted
- Loss control and in-house claims services
- Risk management consulting
Why is this important?
The hospitality industry is built on trust, service, and reputation. Even a minor incident can impact guest confidence and brand loyalty.
What Sets Champion Risk Apart🥇
We know the market. We know your business. And we know how to match the right coverage with the right carrier.
- Decades of experience insuring hospitality businesses.
- Benchmarking and loss analysis to help control insurance costs.
- Access to top carriers specializing in hospitality risks.
- In-house claims support to get your operations back to business quickly.
As a full-service brokerage, we offer commercial insurance, employee benefits, and personal coverage – all under one roof. When you work with us, you get more than a policy. You get a partner who understands your hospitality business and knows how to protect it.
Full Market Access
- We work with every premiere insurance carrier that serves your industry, leveraging our reputation to secure competitive pricing and flexible terms.
End-to-End Service
- We deliver complete protection for your business, your people, and your future.
Strategic solutions for Hospitality
We help you serve peace of mind – on every plate, in every room. One incident can disrupt operations and damage your brand. The right insurance partner keeps you prepared and resilient.