Insurance Products
Comprehensive insurance solutions tailored for the hospitality industry, backed by decades of expertise and nationwide coverage.
Property Insurance
As a leading property insurance company, our National Hospitality Practice spans from coast to coast. This expertise gives us insight into industry specific trends and the ability to manage complex property risks across the U.S.. We utilize best practices of catastrophe modeling and benchmarking to fully discover gaps and values for comprehensive coverage.
Our hospitality team delivers on the following services:
Hospitality market-wide reconnaissance on current and expected property trends
Detailed information about carrier appetite developments
Intelligence on new products, programs and services available specific to the hospitality industry
Nationwide standards and best practices as well as service enhancements to our customers
Casualty Insurance
We take a Holistic approach to improving casualty insurance and risk management.
Hospitality Insurance Solutions and Robertson Ryan Insurance are made up of risk management professionals equipped to find gaps in coverage others often miss. By forming strong partnerships with our hospitality management groups, using gap analysis, and looking at your overall business, we provide customized, comprehensive, and cost-efficient insurance solutions.
Our process includes:
Uncovering uninsured and underinsured losses, contractual liability and coverage gaps.
Pre-renewal meetings include pertinent stakeholders within your organization including the finance department, human resources, operations and risk management departments.
Claims and loss control – our dedicated claims and loss control team extensively reviews your legacy loss information. We then develop claim mitigation and loss prevention programs to improve your claims process.
Program structure and insurance premiums – we design a program that meets your current needs while also being flexible enough to grow and expand as your business does, by providing multiple options inclusive of various programs structures, coverage, limits and pricing.
Workers' Compensation Insurance
Protect Your Team.
HIS understands that a safe and secure workplace is essential for your employees and your business. Workers' Compensation Insurance provides vital protection for your team and offers peace of mind for business owners, covering expenses related to workplace injuries, medical treatment, and lost wages. Our tailored policies are designed to ensure your employees receive the care they need while minimizing financial impact on your business.
Whether you're a small business or a large operation, our experienced team will guide you in finding the right Workers' Compensation coverage to meet your industry-specific needs and regulatory requirements.
Workers' Comp Coverage Provides:
Income and medical expense reimbursement for employees injured or ill due to work, regardless of who is at fault.
Legal protection for employers, as employees receiving workers comp benefits typically cannot sue their employer.
Exclusions for cases where the injury results from employee intoxication, self-inflicted harm or personal disputes unrelated to work.
Your HIS advisor can help you navigate these regulations and choose from top-rated insurers to ensure your business is fully protected. In addition, we work with you to enhance workplace safety, manage claims efficiently and control insurance costs.
By planning today, you can simplify tomorrow's workers' compensation challenges. Let your HIS advisor help you be prepared.
Umbrella & Excess Liability Insurance
Extend the Limits of Coverage.
Umbrella and Excess Liability policies provide additional protection when your primary liability coverage is exhausted or doesn't cover a specific claim. These policies can vary significantly in terms of coverage and limits.
Umbrella & Excess Liability Layers Provide:
Protection from the Unexpected: Catastrophic claims are rare, but without proper protection, a single severe incident can harm your company's reputation, market share, and financial stability. Our Umbrella and Excess Liability solutions help protect your business from such risks.
Expanded Coverage: Umbrella policies extend the limits of your existing liability coverage, reducing the risk of coverage gaps. For businesses needing additional protection, Excess Liability can provide even higher coverage limits on top of your primary policies, safeguarding against large, unforeseen losses.
Management & Executive Liability Insurance
Management & Executive Liability offers protection for your business, its executives and employees in the event of a lawsuit. It includes the following key coverages:
Directors and Officers: Protects against claims stemming from the actions and decisions of a company's directors and officers. Protects business assets as well as each individual's assets.
Employment Practices: Covers lawsuits and regulatory actions related to claims such as wrongful termination, sexual harassment and discrimination—issues not covered by a standard General Liability policy. It protects both your business and employees.
Fiduciary Liability: Necessary if your business sponsors any retirement or employee savings program. This coverage shields your business and fiduciaries from legal action and also offers protection against negligence in managing employee benefit plans.
Comprehensive Coverage Solutions
Our expertise extends across all areas of hospitality insurance, ensuring complete protection for your business.
Property Insurance
Comprehensive property coverage with catastrophe modeling and nationwide expertise.
Casualty Insurance
Holistic approach to casualty coverage with gap analysis and customized solutions.
Risk Management
Professional risk assessment and mitigation strategies tailored to your business.
Ready to Protect Your Hospitality Business?
Let our experts design a comprehensive insurance program tailored to your specific needs and industry requirements.