Industries We Serve

Insurance for businesses that never really close.

Built around how the business actually runs, not just its square footage.

Hotels, venues, and hospitality operations carry liability around the clock — guests, staff, alcohol, events — often in the same building. We build programs that reflect how the business actually runs.

The Risks You're Managing

Guest and third-party liability across extended hours
Liquor liability where alcohol is served
Event and banquet exposure
Property risk across aging or leased buildings
Seasonal staffing and workers' comp fluctuation

How We Help

General liability and liquor liability sized to actual service hours and volume
Commercial property coverage that reflects true replacement value
Event-specific and special-event endorsements
Workers' comp structured for seasonal staffing swings

Why Recon Risk

We built our hospitality practice specifically around businesses that run long hours with real public exposure — we know where the gaps usually hide.

Run a restaurant or bar specifically? We have a dedicated page built around liquor liability and food-service risk.

See Restaurants & Bars

Insurance for businesses that never really close.

Built around how the business actually runs, not just its square footage.

The Risks You're Managing

How We Help

Let's review what your policy actually covers after 10pm.