Insurance for the hospitality industry

RISK MANAGEMENT

Hospitality

Improve safety, reduce claims costs, and make your business stronger.

Capitalize on your business goals

In the hospitality industry, customer satisfaction is everything.  

At Lockton, our fierce commitment to service, client-first attitude and strong entrepreneurial spirit sets us apart and empowers our team to deliver uncommon results. We believe it’s not just what you do, it’s how you do it.  

Some of the world’s largest hotel management companies and real estate investment trusts depend on Lockton. With the intense financial pressures of the industry and the quicksilver changing risks, our team helps you improve safety, reduce claims cost and make your business stronger. Count on us to provide the resources you need to connect your business goals to your risk management and employee benefits strategies.

Expert risk management is key

Hotels, casinos, restaurants, resorts and other hospitality properties are susceptible to significant claim activity. Everything from slip and fall accidents and equipment breakdowns to business interruptions, natural disasters, or pandemics, you need thoughtful pre-and post-loss strategies to reduce expenses.

Around the globe and domestically, we know how to build cost-effective property insurance programs, especially in catastrophe-prone regions. Our experts possess the knowledge to structure business interruption and contingent business interruption programs to protect you when a storm, strike, flood, or other risks might turn guests away. Leave unpredictability to the elements. Lockton’s team of specialists has you covered.

When profit margins are as razor-thin as they are in the hospitality industry, controlling the impact of claims costs improves your financial performance.

Relationships provide insight.

We make it a point to stay actively involved in leading industry groups to understand current and potential future risks better. This added awareness and personalized depth allows us to craft the strongest strategy for your business. One size never fits all. We deliver innovative, agile solutions custom-made for you. Our team challenges norms and delivers the most efficient, cutting-edge solutions in the marketplace. As the world’s largest privately held, independent insurance broker, we answer to no one but our clients. This independence allows us the freedom and strength to do what’s best for you, at all times.

Latest news & insights

Lockton People Solutions is excited to announce details of its 2026 Global Benefits Forum, an annual event series bringing together HR leaders from around the world to explore the forces reshaping employee benefits and workforce strategies for multinational employers. Lockton announces 2026 Global Benefits Forum series

Luxembourg reforms state pension system

Luxembourg recently passed reforms to the state pension system. Key changes include an increase in the total social security pension contribution rate from 24% to 25.5%, effective 1 January 2026, and a gradual increase in the minimum contribution period required for early retirement at age 60, from 480 to 488 months, between 1 July 2026 and 2030.Luxembourg recently passed reforms to the state pension system. Key changes include an increase in the total social security pension contribution rate from 24% to 25.5%, effective 1 January 2026, and a gradual increase in the minimum contribution period required for early retirement at age 60, from 480 to 488 months, between 1 July 2026 and 2030.

5 Things to Watch in Food and Agriculture

Explore five forces reshaping food and agriculture — from production pressures to workforce shifts — and how businesses can navigate risk with clarity and confidence.Explore five forces reshaping food and agriculture — from production pressures to workforce shifts — and how businesses can navigate risk with clarity and confidence.

Political Violence Market Update 2026

A softening market for Political Violence (PV) Insurance is a welcome sign for buyers, following a prolonged hard period. An influx of approximately £350m of new capacity via Lloyd’s syndicates and specialist underwriting agencies is driving competition, enabling brokers to market accounts more widely and deliver premium savings to clients.

But it's not all straightforward. While the years prior to 2022 saw a high volume of claims relating to civil unrest, the market has since been dominated by larger-scale incidents of political violence – forcing insurers to adapt their strategies. For buyers, this introduces complexity: S&T policies are now unlikely to offer indemnity against some of the most common threats of the last three-to-five years. This being the case, more buyers may gravitate towards the broader scope of Political Violence cover.A softening market for Political Violence (PV) Insurance is a welcome sign for buyers, following a prolonged hard period. An influx of approximately £350m of new capacity via Lloyd’s syndicates and specialist underwriting agencies is driving competition, enabling brokers to market accounts more widely and deliver premium savings to clients.

But it's not all straightforward. While the years prior to 2022 saw a high volume of claims relating to civil unrest, the market has since been dominated by larger-scale incidents of political violence – forcing insurers to adapt their strategies. For buyers, this introduces complexity: S&T policies are now unlikely to offer indemnity against some of the most common threats of the last three-to-five years. This being the case, more buyers may gravitate towards the broader scope of Political Violence cover.
See all news and insights