Hospitality Risk Management

The Risk Management SolutionFor Hospitality

Most restaurants and hospitality groups are overpaying and underinsured at the same time. Our experts will benchmark your rates, surface hidden gaps, and identify savings your broker missed. Trusted by leading hospitality brands like Blank Street Coffee, Bluestone Lane, and Tacombi.

Get a Free Risk Assessment Compare the broker model

Restaurant team preparing service in a commercial hospitality kitchen.

Built for Hospitality

Policy analysis, benchmarking, claims support, and specialist advisory in one risk management model.

Operator focus

Multi-location risk

Trusted By Great Companies

A Risk Management Team

In-house expert advice with flat fees

A Risk Management Plan

Protect your business & reduce risk

One Digital Platform

Manage all your policies in one place

Hospitality pain points

The risks your broker
should already be naming

Hospitality teams balance thin margins, high employee counts, lease requirements, liquor exposure, customer incidents, and claims across locations. Insurance cannot be a once-a-year spreadsheet exercise.

Renewals keep pressuring margins

Many hospitality groups pay too much while still staying under-covered. We audit coverage and benchmark pricing before renewal becomes a scramble.

Workers' Comp and liquor liability need active management

Kitchen injuries, return-to-work programs, customer incidents, and liquor exposure can all influence the next renewal conversation.

Claims are spread across locations

New locations, hundreds of employees, and claims across multiple sites need organized advocacy, not slow handoffs and scattered PDFs.

Traditional broker vs WithCoverage

The gap should be obvious
after the first conversation

For Hospitality, risk doesn't wait for renewal season. Without proactive risk management, issues slip through the cracks, leaving companies underinsured, overpaying, or often both.

Traditional broker

Treats every location as another spreadsheet row.
Shows up around renewal and leaves claims follow-up fragmented.
Gives limited visibility into policy, COI, billing, and claim status.

WithCoverage

Centralizes policies, COIs, claims, renewals, billing, and files in one platform.
Brings a specialized service team that knows restaurant and hospitality risk.
Uses policy analysis and benchmarking to pressure-test broker assumptions.

BUILT FOR Hospitality

Same platform and team.
Deep Hospitality expertise.

We actually understand your risks because we've been on your side of the table. Workers' Comp, liquor liability, multi-location property, employment practices, and claims trends: one team handles all of it, and stays with you at every step.

Multi-location visibility

Keep policies, COIs, claims, renewal data, and certificates organized in one central platform as your footprint grows.

Claims support with context

Our team helps triage claims, coordinate documentation, and identify trends that can affect future pricing.

Hospitality-specific benchmarking

We evaluate Workers' Comp, liquor liability, property, GL, umbrella, and employment risk against operator realities.

Expertise areas for Hospitality

Workers' CompLiquor LiabilityGeneral LiabilityPropertyUmbrellaMulti-location Claims+ More

HOW IT WORKS

A proactive plan built
before you commit

We analyze your current program, build a risk plan around your business, then manage it with you year-round. The first two steps are on us before any agreement or cost, so you see the value before you decide.

Analyze the current program

We review policies, renewals, claims, certificates, contracts, and business context to identify gaps and market opportunities.

Build a proactive risk plan

Your team gets a clear plan for coverage, pricing, operational risk, and the decisions that should happen before renewal.

Manage risk year-round

WithCoverage supports policies, COIs, claims, renewals, benchmarking, and ongoing advisory in one operating model.

Why Businesses Trust Us

"WithCoverage has saved us over $150,000 annually while materially improving both our coverage and service. As a fast-growing business with 50+ locations and no internal risk team, they effectively act as our risk management function. Their deep hospitality expertise, proactive guidance, and modern platform have made insurance simpler, more transparent, and far less time-consuming. We spent 17 years with a traditional broker, and leaving a long-standing relationship wasn’t something we took lightly—but the results with WithCoverage made it well worth the change."
Gregory Zamfotis, Founder & CEO
"Before WithCoverage, we worked with a broker we were quite happy with. However, WithCoverage's Risk Management Team + Platform offer far more value than the traditional model. They pair a specialized team with a great technology platform that saves our team time, money, and administrative headaches. And their claims team proactively manages new claims, closes out existing ones, and is a true strategic partner. They're the perfect solution for us as we grow."
Robert Chislett, Partner
"After 17 years with the same insurance broker, we decided to switch to WithCoverage, and the experience has been excellent. I receive outreach from brokers regularly but rarely take those meetings because most offer little differentiation. WithCoverage stood out immediately. Their platform gives our team a simple way to manage claims, generate COIs, and access all policies and premiums in one place, while their industry benchmarking and platform ensure we’re getting competitive prices and coverage. The combination of technology, industry insight, and excellent service has made a real difference for our team."
Jason Morgan, CEO
"WithCoverage saved us $139,000+ on business insurance even as we grew YoY and even improved parts of our coverage. Their team of hospitality experts offers us proactive advice and their digital platform saves our team time/keeps us organized. They are disrupting a much needed industry and building a trusted solution for the hospitality industry."
Nicholas Stone, Founder
"We saved ~$480K switching to WithCoverage, as they dramatically reduced premiums, eliminated unnecessary policies, and aligned incentives via a Flat Fee Model. The team delivered not just meaningful cost reductions, but stronger, more consistent coverage, which is essential for our business, (especially as we grow to 100+ locations). Their user-friendly dashboard makes managing claims, COIs, and carrier billing effortless for our team, and their deep industry experience made the transition seamless and reinforced that we made the right move."
Steve Song, CFO
"WithCoverage not only saved us $200K/yr, but acts as our fractional Risk Management Team. They proactively advise us, manage all of our claims, and leverage their digital platform to make everything a seamless experience. They’ve truly disrupted the archaic insurance broker with a solution designed for fast growing businesses. Highly recommend!"
Jay Gujjar, COO & President
"WithCoverage is redefining Risk Management. In addition to serving as a broker, they also serve as an extension of our Risk Management Team and Platform. Their team of experts, advisers and attorneys proactively support us and has saved us valuable time and streamlined our processes with claims handling and contract reviews. Their platform makes the process easy and organized. We switched to WithCoverage after working with the same traditional broker for over 15 years. We achieved $175K in annual savings on insurance while maintaining the same coverage. A true refreshing and modern solution in a space that is ripe for disruption."
Arthur Li, CFO
"WithCoverage is a disruptive player in the insurance brokerage industry, bringing both expertise and truly personalized service to Blank Street. From the moment we engaged with their team, we were impressed with their proactive advice, proprietary insurance platform and white-glove service model with a dedicated service team. The breadth and depth of their risk advisory team provide both a robust repository of experience as well as strategic value that will evolve with our business as it grows in size and complexity."
Adrian So, US Head of Finance
"WithCoverage saved us $284,000, improved our coverage, and continuously offers a better experience and team of insurance experts than the traditional insurance broker. Their team of experts and attorneys handle everything as our Risk Management Team and make the experience simple and easy via their digital platform where we can manage policies, COIs, claims, renewals, and billing. We were with the same broker for years and very glad we made the change!"
Jack Litman, President
"WithCoverage has saved us over $150,000 annually while materially improving both our coverage and service. As a fast-growing business with 50+ locations and no internal risk team, they effectively act as our risk management function. Their deep hospitality expertise, proactive guidance, and modern platform have made insurance simpler, more transparent, and far less time-consuming. We spent 17 years with a traditional broker, and leaving a long-standing relationship wasn’t something we took lightly—but the results with WithCoverage made it well worth the change."
Gregory Zamfotis, Founder & CEO
"Before WithCoverage, we worked with a broker we were quite happy with. However, WithCoverage's Risk Management Team + Platform offer far more value than the traditional model. They pair a specialized team with a great technology platform that saves our team time, money, and administrative headaches. And their claims team proactively manages new claims, closes out existing ones, and is a true strategic partner. They're the perfect solution for us as we grow."
Robert Chislett, Partner
"After 17 years with the same insurance broker, we decided to switch to WithCoverage, and the experience has been excellent. I receive outreach from brokers regularly but rarely take those meetings because most offer little differentiation. WithCoverage stood out immediately. Their platform gives our team a simple way to manage claims, generate COIs, and access all policies and premiums in one place, while their industry benchmarking and platform ensure we’re getting competitive prices and coverage. The combination of technology, industry insight, and excellent service has made a real difference for our team."
Jason Morgan, CEO
"WithCoverage saved us $139,000+ on business insurance even as we grew YoY and even improved parts of our coverage. Their team of hospitality experts offers us proactive advice and their digital platform saves our team time/keeps us organized. They are disrupting a much needed industry and building a trusted solution for the hospitality industry."
Nicholas Stone, Founder
"We saved ~$480K switching to WithCoverage, as they dramatically reduced premiums, eliminated unnecessary policies, and aligned incentives via a Flat Fee Model. The team delivered not just meaningful cost reductions, but stronger, more consistent coverage, which is essential for our business, (especially as we grow to 100+ locations). Their user-friendly dashboard makes managing claims, COIs, and carrier billing effortless for our team, and their deep industry experience made the transition seamless and reinforced that we made the right move."
Steve Song, CFO
"WithCoverage not only saved us $200K/yr, but acts as our fractional Risk Management Team. They proactively advise us, manage all of our claims, and leverage their digital platform to make everything a seamless experience. They’ve truly disrupted the archaic insurance broker with a solution designed for fast growing businesses. Highly recommend!"
Jay Gujjar, COO & President