Industry — Hospitality
Protection for guests, employees, property and uninterrupted service.
Hospitality businesses carry risk across guests, employees, property, food and beverage operations, and continuity of service.
Industry Overview
Hotels, restaurants and leisure operators combine property, liability, employee and revenue risk in a single operation, often across extended opening hours and high guest turnover.
Key Risk Landscape
- Guest injury or illness on the premises.
- Damage to property, kitchens and guest-facing facilities.
- Interruption to trading following an incident.
- Product liability related to food and beverage service.
- Theft, fraud or dishonesty involving cash and stock.
Insurance Priorities
Liability, property and business interruption cover should be reviewed together with the operation's actual trading pattern in mind, including seasonal peaks.
Common Gaps We See
- Business interruption sums insured not reflecting seasonal revenue peaks.
- Product liability excluding outsourced catering or delivery services.
- Crime cover not extended to cash handling across multiple outlets.
Relevant Solutions
Contractual & Regulatory Considerations
Claims Scenario
Why Omega
Truly Independent
We compare appropriate options across multiple locally and internationally regulated insurers, rather than one company's products.
Advice Built Around Your Risk
We start with your exposures and priorities, not a predetermined product.
Claims Advocacy
Our role continues when a claim arises — we help organise information and keep you informed throughout.
Regulated and Accountable
Omega Insurance Brokers is licensed and supervised by the Central Bank of the UAE, Registration No. 162.
Related Insights
Business Interruption for Seasonal Businesses → Product Liability in Food & Beverage →Request a Hospitality Risk Review
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