Hospitality & Restaurant Insurance
Chicago & Illinois
Hotels, restaurants, and entertainment venues face a high-frequency liability environment combined with significant property and liquor liability exposures. Joseph Marshall Co. structures hospitality programs that address the full range of guest-facing risks while protecting your physical assets and business income — serving hospitality businesses throughout Chicago and Illinois.
Coverage for Hospitality & Food Service
Commercial Property & Business Income
Covers your facility, equipment, and furnishings at replacement cost — with business income coverage to replace lost revenue during a covered shutdown.
General & Premises Liability
Covers bodily injury and property damage claims from guests, visitors, and third parties — including slip-and-fall incidents and food-related illness claims.
Liquor Liability
Required for any business that serves or sells alcohol in Illinois. Covers claims arising from the service of alcohol to visibly intoxicated patrons.
Workers Compensation
Covers occupational injuries to kitchen staff, servers, housekeeping, and maintenance workers — with loss control support to reduce frequency and severity.
Food Contamination & Spoilage
Covers losses from food spoilage due to equipment breakdown, power outages, and contamination events — including the cost of replacing contaminated inventory.
Umbrella & Excess Liability
Provides additional liability limits above your primary policies — critical for hospitality businesses with high guest volumes and significant liquor liability exposure.
Protect Your Hospitality Business
Schedule a complimentary consultation with a Joseph Marshall Co. advisor specializing in hospitality and food service insurance.
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