Hospitality Insurance Agency

What Hospitality Insurance Agency does

Hospitality Insurance Agency is a privately held US insurance brokerage founded in 1948 and headquartered in Oldsmar, Florida, specializing exclusively in insurance coverage for the hospitality and entertainment industry. The firm operates under three generations of family ownership as part of a multi-agency platform that includes sister entities Barber Agency and Industrial Insurance Agency, sharing administrative infrastructure (phone 800-940-9387, email [email protected], SMS consent infrastructure) and led by Pike Barber (Owner & CEO) and Adam Mills (President & CEO). Its core product set comprises dedicated insurance programs for bars, nightclubs, restaurants, hotels and motels, microbreweries, gentlemen's clubs, and special events, supplemented by modular coverage lines spanning liquor liability, general liability, property, workers' compensation, umbrella/excess liability, and EPLI.

The agency's revenue model is commission-based on premium volume placed with multiple A.M. Best "A" rated insurance carriers, supplemented by fee income from employee and security training programs (delivered in partnership with Nightclub Security Consultants) and referral fees from a PEO partnership with A-1 Contract Staffing covering payroll, HR, and benefits. Pricing is quote-based and quote-driven, with a stated $50,000 minimum annual premium for Hospitality Programs eligibility and annual billing cadence.

Go-to-market is sales-led: a team of experienced brokers engages hospitality businesses directly, supported by a content-marketing website segmented by vertical, recurring participation at the Las Vegas Night Club & Bar Show, and referral channels through hospitality-adjacent partners such as Continental Agency/A-List Features. The company does not use proprietary technology beyond a third-party SMS communication platform for client outreach, has no disclosed AI/ML capabilities, holds no patents or trademarks, and reports no institutional funding, M&A activity, or public financial disclosures. The customer base is described as "thousands of hospitality businesses nationwide," served with high-touch, packaged multi-line coverage.

Name

Hospitality Insurance Agency

Legal name

Hospitality Insurance Agency

Website

https://hospitalityia.com

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

Hospitality Insurance Agency is a US insurance broker founded in 1948 that places specialized coverage for the hospitality industry, including bars, nightclubs, restaurants, hotels, microbreweries, gentlemen's clubs, and special events, and bundles training and PEO services to its client base.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Hospitality BOP (Hotels/Motels) (FSAJAFAH), Commercial Property Insurance (FSAJACAE), Public Liability (Premises/Operations) (FSAJADAD)

Keywords

• Hospitality insurance brokerage
• Commercial insurance placement
• Liquor liability coverage
• Workers compensation insurance
• Hospitality risk management

Headquarters

HQ city

Oldsmar

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from multiple A-rated insurance carriers for placing hospitality business insurance coverage. Commissions are percentage-based on premium volumes placed.
2. Training and Risk Management Services: Provides employee/security training programs, loss control consulting, and risk management services that generate additional revenue streams alongside insurance placement.
3. PEO and Payroll Services Referrals: Partners with A-1 Contract Staffing for PEO services including payroll, workers' compensation, HR, and benefits, earning referral fees for directing clients to their services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Hospitality Insurance Agency is a specialized commercial insurance broker that places tailored coverage programs for hospitality businesses — including bars, nightclubs, restaurants, hotels and motels, microbreweries, gentlemen's clubs, and special events — with multiple A.M. Best 'A' rated carriers. The agency packages general liability, liquor liability, property, workers' compensation, EPLI, and umbrella/excess coverages, and supplements placement with employee/security training, loss control consulting, and PEO referrals for payroll, HR, and benefits.

Product overview

Hospitality Insurance Agency is an insurance broker offering a portfolio of specialized insurance products for the hospitality and entertainment industries. The core product lineup includes Bar Insurance, Hotel & Motel Insurance, Microbrewery Insurance, Nightclub Insurance, Gentlemen's Club Insurance, Restaurant Insurance, and Special Events Insurance. These are supplemented by add-on coverage modules including Liquor Liability Insurance, General Liability Insurance, Property Insurance, Workers' Compensation, Umbrella/Excess Liability, and Employee Practices Liability Insurance (EPLI). The company also provides ancillary services including an Employee/Security Training Program, a Server Insurance Program (SIP), and a PEO Program (A-1 Contract Staffing). Together, these products and services form a comprehensive insurance and risk management solution for hospitality businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Bar Insurance

Quantifiable outcome

• Average client saves thousands on their insurance policy; hundreds of thousands saved across client base
• +2 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Nightclub Security ConsultantscoreStrategic or Co-development PartnerPartnership for employee and security training programs that help bars and nightclubs prevent over-serving, reduce dram shop liability, and qualify for 10-15% insurance premium discounts. Services include training manuals, risk management guides, incident report forms, CCTV system reviews, and policy manual creation.
• A-1 Contract Staffing (PEO Division)coreStrategic or Co-development PartnerProfessional Employer Organization (PEO) partnership offering combined payroll, workers' compensation, HR services, health insurance, and EPLI coverage. Helps hospitality clients save $39,000+ through consolidated employment services, providing substantial savings on workers' comp premiums.
• Continental Agency/A-List FeaturesminorChannel Partner/ Reseller/ DistributorReferral partner that introduces hospitality businesses (particularly gentlemen's clubs) to Hospitality Insurance Agency services.
• Barber AgencyminorOthersRelated agency entity under the same corporate umbrella, sharing branding and contact information (800-940-9387, [email protected]). SMS consent and communications managed through Barber Agency infrastructure.
• Industrial Insurance AgencyminorOthersRelated agency entity under the same corporate umbrella, sharing branding and contact infrastructure.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Insurance Canopy: Specialty event insurance provider offering short-term liability and event cancellation coverage. Adjacent to HIA's special events insurance line but with a digital, direct-to-consumer distribution model.
• Founder Shield: Specialty commercial insurance brokerage serving niche industries with packaged coverage and a tech-forward service model. Represents an emerging competitive threat to traditional hospitality brokers like HIA through digital-first distribution.

Broad incumbents

• Amwins: Largest specialty wholesale insurance broker in the U.S., placing complex and hard-to-place commercial risks including hospitality and entertainment accounts. Comparable specialty placement capability but at much larger scale and broader scope.
• Travelers: Major national insurer with hospitality and restaurant industry underwriting capabilities. Overlaps with HIA's property, liability, and workers' comp offerings but serves hospitality as one segment among many.
• The Hartford: Large national carrier with a dedicated hospitality and restaurant business practice offering property, liability, workers' comp, and EPLI. Broad incumbent offering overlapping commercial hospitality coverage but as part of a much wider portfolio.

Direct peers

• The Flanders Group: Insurance and risk management agency specializing in restaurants, hospitality, and food service operators. Closely matches HIA's restaurant/bar/nightclub focus and packaged commercial coverage approach.
• K&K Insurance Group: Specialty insurance broker and program administrator focused on sports, leisure, entertainment, and hospitality industries. Directly comparable to HIA in serving niche hospitality/entertainment verticals with tailored coverage packages and carrier relationships.
• Frankenmuth Insurance: Mutual insurer with a dedicated hospitality practice covering restaurants, bars, hotels, and entertainment venues. Overlaps with HIA's core segments and packaged policy approach to commercial hospitality coverage.
• Society Insurance: Mutual insurance company focused exclusively on the hospitality and food service industry. Comparable to HIA in deep vertical specialization in bars, restaurants, and hotels, though operating as a carrier/underwriter rather than a broker.
• Glatfelter Insurance Group: Specialty insurance program manager with a long-standing hospitality practice serving hotels, restaurants, bars, and entertainment venues. Comparable niche focus and program-based delivery model to HIA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hospitalityia

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hospitality Insurance Agency