Hospitality · Hotel · Restaurant · Nationwide
Turner helps hotel, restaurant, and hospitality owners get the right coverage at the right price, without the runaround.
01 — Hotel
Guest injury, property, and the nights you cannot sell
A peninsula hotel carries exposures a generic commercial policy was never written for: a slip in the lobby at two in the morning, a burst line above an occupied floor, a shoulder season where the interruption basis decides whether payroll clears. Turner reads the property schedule and the liability limits against how the house actually runs.
02 — Bar
Late licenses, assault and battery, and the sub-limits that quietly exclude both
Most general liability forms treat alcohol service as an afterthought, and the sub-limits show it. Turner looks at license hours, service training, security arrangements, and the assault and battery wording specifically, because that is the clause that decides whether a Friday night incident is settled or argued.
03 — Restaurant
Equipment breakdown, spoilage, and the contents no schedule ever lists
Hood fires, walk-in failures, delivery vehicles, and the equipment you lease rather than own. A restaurant's real risk sits in places a packaged policy summarizes in a single line. Turner prices the layers separately, so you can see what each one actually buys before anything is bound.
Turner is a licensed producer with Maury, Donnelly & Parr, placing hospitality programs for hotels, restaurants, and bars. Based in Charleston, writing business nationwide. Nothing is bound until a licensed MDP specialist confirms it.
Turner reviews the exposures that sit on that floor, not a generic package.
Properties along the peninsula and the islands need a program that understands occupancy, not a shop policy with extra rooms.
What Turner looks at first
A dining room that serves alcohol is not a retail risk. Turner places restaurant programs around how service actually runs.
What Turner looks at first
Bars, venues, and mixed-use hospitality sit between hotel and restaurant forms. Turner writes them as they operate.
What Turner looks at first
Getting a hospitality insurance review is a short, predictable path.
Business type, location, renewal timing, and how the operation actually runs — via the review form, this page, or 30 minutes on the calendar.
Turner takes those details to market and looks at liquor, property, guest injury, interruption, and the other hospitality exposures generic policies miss.
Written options with the trade-offs spelled out, usually within a few business days, then a call to walk them through. Nothing is bound until a licensed MDP specialist confirms it.
Hotels, restaurants, and hospitality businesses carry risks that generic policies do not treat well: liquor liability, property exposure, guest injury, business interruption. Turner works specifically in this space, so the policy is built around how the business actually operates.
Turner is a licensed producer with Maury, Donnelly & Parr. He places hospitality programs for hotels, restaurants, and bars. Based in Charleston, writing business nationwide, including North Carolina and Maryland.
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Each card is what the layer is for — not a quote, and not a promise that a given policy includes it.
The building, kitchen, rooms, and equipment, valued at what replacement costs now.
Guest injury and everyday premises risk — the base layer every hospitality program sits on.
Extra limits above general liability, liquor, and auto, for the one claim that outgrows the base policy.
Alcohol service is usually outside a basic general-liability form. Bars and dining rooms need it named.
Cards, reservations, and POS outages. A weekend of online orders is a data event, not an IT footnote.
Housekeeping, line cooks, and front desk classified correctly so payroll is not guessed at renewal.
If the property cannot operate, the indemnity period and values have to match how it actually earns.
Private events change who is on site and who must be named. Turner flags that before the first toast.
MDP has more than 300 carrier partners. These are the ones we use most for personal and commercial programs.
A few things owners ask us. None of this binds coverage or quotes a price.
Restaurants, bars, nightclubs, hotels, breweries, event venues, caterers, food trucks, private clubs, and other hospitality businesses.
General Liability, Property, Business Income, Excess Liability, Workers Compensation, Liquor Liability, Cyber Liability, Employment Practices Liability, and Commercial Auto/Hired & Non-Owned Auto.
Usually not. Businesses that sell or serve alcohol generally need to make sure their insurance program specifically provides Liquor Liability coverage.
Restaurants that process credit cards, store customer or employee information, offer online ordering, or rely on computer systems should consider Cyber Liability coverage.
Yes. We'll review your lease and make sure your insurance meets the required coverage and limits.
Often, yes. Multiple locations can potentially be insured under the same insurance program, although each location should be properly scheduled and its exposures disclosed.
Timing depends on the complexity of the business and the information available. Providing complete information upfront — sales, payroll, property values, alcohol sales, prior coverage, and loss history — can speed up the process and usually can turn around quotes in 1–2 weeks.
Restaurants, bars, hotels, and venues face exposures that aren't always obvious — from liquor liability and assault & battery to spoilage, equipment breakdown, business income, cyber, delivery, and contractual requirements. Working with us means those exposures get properly addressed.
Yes. Our role doesn't end when the policy is purchased. We help you navigate the claims process, communicate with the insurance company, and understand what information is needed to move the claim forward.
Yes, I can help with all types of commercial insurance and personal insurance including home, auto, umbrella, jewelry, watercraft, etc.
Business type, location, renewal, and how to reach you. Turner follows up on the underwriting detail.
Prefer a call? · 854.444.8290.
