Commercial Insurance ·
Hospitality
Hospitality Insurance Built for Pittsburgh's Restaurants, Hotels & Venues
Specialized commercial coverage for the interconnected risks that define the hospitality industry (liquor liability, food contamination, event cancellation, and more) across Pittsburgh, Western PA, and the Mid-Atlantic region.
Your risk profile isn't standard. Neither is our approach.
Restaurant groups, hotel operators, event venues, country clubs, and catering businesses carry exposures that standard commercial policies weren't built to absorb. We've spent more than 100 years learning the difference. Let's talk about yours.
Why This Requires Expertise
Why Hospitality Insurance Demands a Specialist
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Hospitality businesses carry a uniquely dense cluster of intersecting exposures that a standard commercial policy is not built to absorb. A restaurant is simultaneously a food-service operation, a premises liability risk, an employer in a high-turnover labor environment, and, in most cases, a licensed alcohol retailer regulated by the Pennsylvania Liquor Control Board. Each of those dimensions carries its own coverage requirements, and a gap in any one of them can leave an ownership group exposed in ways that a generalist broker won't anticipate.
Liquor liability coverage in Pennsylvania isn't optional. It is a material condition of operating under a PLCB license, and alcohol-related claims are among the most costly the hospitality sector produces. Pair that with the workers' compensation complexity of a workforce that blends tipped employees, seasonal staff, and back-of-house labor under Pennsylvania's specific statutory requirements, and the underwriting picture demands both deep carrier access and genuine vertical expertise.
For hotel operators and event venues, the risk stack extends further: commercial property covering specialized kitchen, HVAC, and AV equipment; event cancellation coverage for contracted bookings; employment practices liability in an industry with documented EPLI exposure; and reputational risk from public-facing incidents that can move from a review platform to a news cycle within hours. Simpson | McCrady serves hospitality clients across Pittsburgh, Western PA, and the Mid-Atlantic region, from single-location restaurants to regional hotel portfolios, and we treat hospitality insurance as an advisory discipline, not a product category.
What We Cover
Coverage Built Around How Hospitality Businesses Actually Operate
Get an Expert Review of Your Current Program.
Our Approach
An Independent Broker Who Knows the Hospitality Business
Most insurance transactions in the hospitality sector are exactly that: transactions. A policy is placed, a certificate is issued, and the relationship ends until renewal. Simpson | McCrady works differently, and the distinction matters most when something goes wrong.
As an independent broker, we hold no allegiance to any single carrier. That independence gives us access to specialty hospitality insurance markets, including carriers that underwrite liquor liability, food contamination, and event cancellation as core competencies, not endorsements grafted onto a generic commercial package. When we bring your account to market, we are negotiating with genuine optionality, on your behalf, not a carrier's.
Our process starts with a thorough assessment of how your business actually operates: your revenue model, labor structure, licensing status, seasonal patterns, and any prior claims history that shapes your underwriting profile. A Pittsburgh restaurant group running a summer rooftop program and a winter-focused fine dining room faces a meaningfully different risk profile than a regional hotel portfolio. We build coverage programs that reflect those realities rather than defaulting to a single standard commercial form.
Through the policy lifecycle, we manage renewals proactively, coordinate claims advocacy when incidents occur, and adjust coverage as your business evolves: new locations, expanded alcohol licensing, additional event programming, menu changes that affect food safety exposure. Our role is not to place a policy and step back. It is to be the advisor you call when the situation is unclear and the stakes are real. That is the model we have practiced for more than 100 years serving businesses across Western Pennsylvania and the Mid-Atlantic region, and it is what we bring to every hospitality relationship.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com