Source: https://www.insurancebusinessmag.com/, January 15, 2026
By: Chris Davis

The hotel and restaurant insurance market is not changing because of a single disruption, but because of sustained pressure. Weather losses continue to mount, liability exposures are expanding, and standard carriers are pulling back from risks they once considered manageable. For hospitality operators, the result is a more constrained market where excess and surplus lines coverage is no longer a last resort, but an essential part of the risk transfer strategy. Read more.