By Richard Welch, CEO, Hospitality Insurance Group
Running a restaurant or bar is about more than serving great food and creating a welcoming atmosphere. Owners are also responsible for managing risk—protecting employees, patrons, and property from potential harm. In the hospitality industry, where late hours, alcohol service, and cash transactions are common, security systems are not just a convenience; they are a business necessity.
As an insurance provider dedicated to restaurants, bars, clubs, and liquor retailers, Hospitality Insurance Group has seen firsthand how strong security measures reduce liability, prevent claims, and even help lower insurance costs over time. In fact, we reward establishments that make these investments with discounts on their policies.
Why Security Systems Matter
Hospitality businesses face unique risks. A busy Friday night can bring everything from theft to customer altercations to slip-and-fall accidents. Security systems help prevent these incidents, provide documentation when they occur, and show insurers that you’re serious about protecting your business.
Key Security Measures
Video Surveillance
Surveillance cameras act as both a deterrent and a source of evidence. They discourage theft, document incidents like accidents or disputes, and even help protect your liquor license by providing footage of customer interactions. Modern systems with remote access and cloud storage give owners more control than ever. Because of the value these systems provide in preventing and resolving claims, Hospitality Insurance Group offers policy discounts to establishments that install and maintain video surveillance.
Access Control and ID Checking Systems
Restricting entry to offices, stockrooms, and liquor storage areas with smart locks or key cards reduces the risk of internal theft and ensures accountability. For customer-facing operations, electronic ID checking systems add another layer of security, reducing the likelihood of underage service and the liability that comes with it. At Hospitality Insurance Group, we recognize the importance of these protections by extending premium discounts to businesses that use approved ID verification systems.
Alarms and Fire Systems
Intrusion alarms, fire detection, and carbon monoxide monitoring protect both people and property. These systems can significantly reduce the severity of a claim, and in many cases, may help you qualify for lower insurance premiums.