Gwen Ballesteros Vol. 01
Open to new engagements
Home Industries HOSPITALITY

Hospitality insurance support, BOP to liquor.

Commercial lines support for agencies and brokerages with restaurant, bar, hotel, and event venue books. From standard BOPs to specialty liquor liability, equipment breakdown, and spoilage coverage. Quoting, binding, servicing, and renewing every line in the hospitality coverage stack.

Hospitality is the line where one slip-and-fall can change a year, and one liquor claim can change a decade. Restaurants, bars, and hotels carry coverage stacks that look simple on paper. BOP, workers compensation, liquor. But the placement details, host liquor exposure, assault and battery sublimits, equipment breakdown perils, spoilage triggers, decide whether a claim actually pays.

I service hospitality accounts ranging from independent restaurants to multi-location hotel groups. The work spans new business quoting, certificate management, endorsement processing, audit support, and the renewal lifecycle from prep through bind. Across every account size, the discipline is the same: read the application like a claims adjuster will, place the right form, and stay ahead of the seasonal payroll swings.

Hospitality is the line where one slip-and-fall can change a year, and one liquor claim can change a decade.

Coverages I work with daily

What construction accounts actually need

No. 01

Liquor liability done right.

Host liquor only or full BYOB? Assault and battery sublimit appropriate to the venue type? Damage to leased premises endorsement reviewed? The placement details that decide whether a claim actually pays.

No. 02

Spoilage and equipment breakdown.

A walk-in freezer fails on a Friday night with $40,000 of inventory inside. The endorsement language and trigger conditions matter as much as the limit. I prep these for the right outcome.

No. 03

Workers comp audits.

Hospitality has high payroll volatility, seasonal staff, and gratuity classification questions. Audit packets prepared month by month so year-end isn’t a fight.

No. 04

Renewal narratives.

Down year for slip-and-fall? New manager? Closed kitchen for renovations? The story of the year, told in one paragraph at the top of every submission.

No. 05

Carrier placement.

Construction is appetite-sensitive. I know which carriers write trade contractors, who's open to artisan, who's writing residential vs commercial, and where E&S is the right move. Less ping-pong, more bound business.

No. 06

Certificate discipline.

Landlord requirements, vendor requirements, event-specific COIs, sponsorship documents. Issued cleanly and tracked through expiration.

If your hospitality book is full of slip-and-fall risk and liquor exposure, let’s talk.

Whether it’s overflow on a busy renewal month, dedicated support for a specialty venue, or full back-office for your hospitality vertical, I plug into your AMS, learn your appetite, and start clearing certificates by week one.

Start a conversation →
What happens next
  1. Tell me about your book15-minute call. No commitment, no pitch deck.
  2. Pick a starter sliceA few renewals or one vertical. Low-risk pilot.
  3. Plug into your AMSI learn your workflow. Producing by week one.
  4. Review at the quarterDecide together what scales and what doesn’t.