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The hospitality industry provides vital assistance to a full range of businesses including: hotels and resorts, restaurants, casinos, and golf courses. While the size and location may vary, they all share some common threads… they serve food (and liquor), are open to the public, and operate on expansive properties. And, they face ever-changing exposures that lead to heightened risks — from rising operating, energy and food costs to specific workforce issues like bedbugs and the ongoing threat of global terrorism.

Risk professionals in the hospitality industry need to be one step ahead of an ever-growing spectrum of risk. That’s where Kapnick steps in to help manage these risks. Our goal is to help business owners provide a safe environment for their guests and employees, and prevent and minimize the extent of a potentially devastating financial loss.

Meet Our Team!

StrengthWe work with top rated insurance companies

that offer highly specialized programs for the hospitality and leisure industries.


Be Careful — Plan Ahead

Four Simple Steps to Winterize your Fire Protection System

As the temperatures plummet, the risk of freezing pipes in fire protection sprinkler systems increases sharply. Here’s why: When the water inside the pipes freezes, it expands and pushes against the walls of the pipe causing enough force to rupture them.

Click Below for Safety Solutions



Hotel room

Rest Assured

Stay Informed: Top 4 Risks for the Hospitality Industry

With an estimated 5 million guest rooms in the United States alone, the hospitality sector faces a variety of potentially damaging threats on a daily basis. Learn what is trending now!


We work with the top-rated insurance carriers that offer highly specialized programs, both coverages and risk tools, available for businesses in the Hospitality and Leisure Industry. Through our carrier partnerships we are able to offer coverage programs unique to your business:

Property Insurance, including:

    • Golf carts & mobile equipment
    • Medical payments for members and guests
    • Personal Property of members and guests
    • Lock & Key Replacement
    • Owned watercraft on premises

    General Liability, including coverage for:

    • Member/Guest Inconvenience
    • Tees & Greens
    • Property damage or injury due to pesticide, herbicide or fertilizer application or storage
    • Incidental medical malpractice for nurses on staff
    • Spa or salon services on premises
    • Directors and Officers

    Workers’ Compensation

    Business Auto, including:

    • Coverage for valet or fee-based parking

    Umbrella Insurance

     Available to private golf clubs