Hospitality Risks Are Everywhere
The hospitality industry thrives on creating memorable experiences—but that comes with unique challenges. A busy kitchen, crowded bar, or full event venue can turn into a liability risk in seconds. A spilled drink can cause a customer injury; a kitchen fire can shut down service; a guest incident can turn into a costly lawsuit.
And hospitality isn’t limited to restaurants. Hotels, caterers, bars, breweries, and event spaces across Pennsylvania and New Jersey face similar exposure. Property damage, liquor liability, foodborne illness, and employee injuries all create ongoing risk. Without comprehensive coverage, even a single incident could disrupt operations or threaten your financial stability.
That’s where hospitality insurance comes in—providing the protection your business needs to handle accidents, recover quickly, and continue serving customers confidently.
Policies That Match Your Business
No two hospitality operations are the same, which is why generic business insurance often falls short. MPL Risk specializes in creating custom insurance plans designed specifically for hospitality businesses in PA and NJ.
Your policy can include:
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General Liability Coverage – Protects against claims of customer injury or property damage.
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Liquor Liability Insurance – Crucial for bars, wineries, and restaurants that serve alcohol, protecting against alcohol-related claims.
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Commercial Property Coverage – Safeguards your kitchen equipment, furnishings, and buildings from fire, theft, or weather damage.
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Workers Compensation Insurance – Covers employee injuries and keeps your business compliant with state laws.
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Business Interruption Insurance – Replaces lost income if you must close temporarily due to a covered event like a fire or storm.
MPL Risk evaluates your day-to-day operations, staff size, and facility type to make sure your policy reflects real-world exposures. We also help you manage costs by identifying potential discounts and ensuring you aren’t paying for unnecessary coverage.
Serving with Confidence
In hospitality, reputation means everything. The right insurance coverage protects not only your building and staff—but your brand, customer trust, and long-term success.
With MPL Risk’s restaurant and hospitality insurance, you can focus on the guest experience while we handle the risks. Whether you run a small café in Scranton or a boutique hotel in Atlantic City, our coverage ensures your business stays protected and profitable.
Let us help you design a policy that matches your passion for service with the peace of mind that every business owner deserves.
