industry

Hospitality risk financing: owners, operators and guest-facing sites

In hospitality, the owner, the operator and the brand can each carry part of the risk. Management and franchise agreements decide who retains what, so read them before discussing any structure.

Owner, operator and guest-liability risks in hospitality and leisure, and the specialists who finance them.

2 active providers

How are these providers ranked?

Common risks and risk-financing considerations in Hospitality & Leisure

  • Property and business interruption — Hotels and venues depend on buildings and systems that can close a site. Whether an interruption is covered depends on the actual policy terms, not on the type of event.
  • Guest liability across many sites — Premises, food and beverage and recreational activities generate frequent claims at dispersed locations. Site-level loss data shows whether a shared retention would be stable.
  • Owner, operator and franchise roles — Management and franchise agreements allocate insurance duties and indemnities. Confirm which party retains each exposure.
  • Questions for specialists — Ask how a provider handles high-frequency claims across sites and whether it has worked with your operating model. Group captive structures, run day to day by a captive manager, are one topic for multi-site groups.

Providers serving Hospitality & Leisure

Each card shows why that provider is relevant to Hospitality & Leisure, from what the provider has recorded against this industry.

2 companies

Oct 20, 2026How are these providers ranked?

Artex Risk Solutions

Unclaimed
Serves this industry
No reviews yetartexrisk.com3rd Floor, Wessex House, 45 Reid Street, Hamilton HM 12, Bermuda
  • Risk Consulting
  • Underwriting
  • Enterprise Risk Management
  • Captive Feasibility Studies
  • Actuarial Services
  • Captive Management Services

Artex Risk Solutions is an alternative risk and insurance management business operating under the Arthur J. Gallagher & Co. group. It provides captive feasibility, formation and ongoing management; single-parent, group and cell captive solutions; actuarial and risk advisory services; reinsurance and claims-management support; capital-markets administration; and legacy and run-off solutions.

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Risk Services, LLC

Unclaimed
Serves this industry
No reviews yetriskservcos.com1605 Main Street, Suite 800, Sarasota, Florida 34236, United States
  • Risk Consulting
  • Captive Feasibility Studies
  • Underwriting
  • Regulatory Compliance
  • Captive Management Services
  • Captive Accounting
  • +1 more

Risk Services, LLC is a full-service captive insurance manager providing formation, licensing, accounting, financial reporting, regulatory compliance, underwriting, policyholder administration, reinsurance intermediary and fronting support services.

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