Every business needs insurance, but the hospitality industry encompasses a broad range of businesses with unique risk and liability exposures. The Hospitality Insurance Program (HIP) from Risk Strategies’ Fournier Group was built by insurance experts who understand the industry and its unique needs.
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Traditional business insurance is difficult to buy and not effective when you need it.
HIP was developed exclusively for ORLA members and is designed for the hospitality industry. It gives you control of the buying process and delivers effective protection while helping you control your long-term insurance pricing. HIP provides a stable foundation of protection so you can be more productive and more profitable.
Restaurant, hotel, bar, tavern - every operation is different. HIP was designed with this reality in mind. That’s why getting HIP includes a thorough needs assessment to ensure you don’t have a program with insurance gaps or too much insurance.
There is strength in numbers. Bringing together member premiums in the HIP program, Risk Strategies' Fournier Group negotiates premium rate and terms & conditions improvements with key Property and Casualty insurance carriers. By combining market power with our firm’s expertise, HIP delivers premium and coverage value with market stability and flexibility.