Hospitality Insurance Solutions

The Hidden Insurance Risks Destroying Hospitality Businesses
Every day, restaurant, bar, and hotel owners operate under dangerous assumptions: that their insurance will cover them when disaster strikes, that they're not overpaying for unclear coverage, and that their policies actually reflect today's risks.

The reality is different. Policies go unreviewed for years while replacement costs soar. Cyber attacks and supply chain disruptions aren't covered. Workers' comp classifications are wrong, leading to expensive audits. Claims get denied due to poor documentation and lack of advocacy.

The cost of being wrong isn't just money—it's your entire business.

Property & Casualty Insurance That Actually Protects

Stop Guessing About Your Coverage
Many hospitality businesses are dangerously underinsured. We perform comprehensive policy reviews to ensure your coverage keeps pace with inflation, renovation costs, and today's risk environment. No more discovering you're underinsured when it's too late.

Close the Costly Coverage Gaps
Cyber attacks, supply chain delays, utility outages—today's risks didn't exist when many policies were written. We identify and close these dangerous gaps before they turn into financial disasters that could shut down your business.

End Premium Confusion and Overpayment
Tired of steep renewal increases with no explanation? We shop multiple carriers and break down exactly what drives your premiums, ensuring you understand every dollar and aren't overpaying for unclear coverage.

Get Claims Advocacy When You Need It Most
Poor documentation and lack of advocacy result in denied or delayed claims. We work with trusted P&C partners who fight for you during the claims process, so you're not navigating insurance companies alone when disaster strikes.

Accurate Workers' Comp Classification
Incorrect job codes lead to audits, back-payments, and inflated premiums. We ensure accurate classification and coordination between your payroll and carrier to avoid expensive surprises that can devastate your cash flow.

Health & Life Insurance That Works for Hospitality
Simplify Benefits Management Despite High Turnover
Constant staff onboarding and offboarding makes group benefits a nightmare. We simplify the enrollment process and act as your team's go-to for questions and claims support, removing this burden from your management team.

Right-Sized Plans for Small Operations
Small properties and independent restaurants struggle to offer competitive health plans. We design coverage options—from minimum essential coverage to comprehensive PPOs—that balance cost and benefits without breaking your budget.

Stay ACA Compliant Without the Confusion
Not sure what's required or how to stay compliant? We stay on top of ACA rules so you don't have to, ensuring you avoid penalties and remain in compliance while focusing on your business operations.

Protect Your Business and Key People
Many operators have no life insurance, buy-sell agreements, or key-person coverage. We help protect both the business and the people behind it with customized life and disability coverage for owners and essential staff.

Additional Protection Services
Identity Theft Protection
Hospitality businesses handle massive amounts of personal and financial data daily. We partner with leading identity theft protection providers to safeguard your business and employees from the growing threat of identity theft and data breaches.

Legal Protection Services
From employee disputes to vendor contracts, hospitality businesses face constant legal challenges. Through our legal protection partnerships, we provide access to affordable legal services that keep small issues from becoming major problems.

What Complete Protection Delivers

Peace of Mind: Know you're properly covered for today's risks, not yesterday's policies.

Cost Control: Stop overpaying for insurance you don't understand or need.

Time Savings: One trusted advisor handling all your insurance needs instead of juggling multiple agents.

Claims Support: Expert advocacy when you need to file a claim, not just when you buy a policy.

Business Continuity: Proper coverage that keeps your doors open when disasters strike.

Ready to Protect Your Investment?
Don't wait for a claim to discover your coverage gaps. Get a comprehensive insurance review that ensures your restaurant, bar, or hotel is properly protected without overpaying.

Schedule your Insurance Protection Assessment today and secure complete coverage tailored to hospitality risks.

Strategic Hospitality Consulting That Drives Real Results

Running a restaurant, bar, or hotel shouldn't feel like constant crisis management. Bleser & Associates, LLC provides strategic consulting services that transform hospitality challenges into growth opportunities. Our experienced team understands the complexities of hospitality operations and delivers practical solutions that boost profitability, streamline operations, and enhance guest satisfaction. Get the expert guidance you need to stop reacting to problems and start building the successful hospitality business you envisioned.