Protect Your Business With Property Damage Liability

Guild Insurance

Property Insurance for Damage Liability

You’ve spent a lifetime dreaming about opening the perfect hospitality business. When you finally do, you want to be secured when the unexpected strikes. Whether it’s a fire, storm, theft, or frozen pipe, you need an insurance policy that responds quickly, efficiently, and with compassion. Our carriers prioritize property claim satisfaction.

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What is Property Liability Damage Insurance?

Property insurance covers the cost of repairing or replacing damaged buildings, tenant buildouts, and business property due to a covered cause of loss. Typically, covered causes of loss include (but not limited to) fire, storm, damage theft, vandalism, civil unrest/riot, loss of business income, and water damage.

*Please contact us for specific policy exclusions.


Replacement Cost (RC) provides coverage to repair or replace your damaged property with like-kind or quality.
Actual Cash Value (ACV) provides coverage to repair or replace your property at a depreciated value.
The risk of a fire fatality is reduced by 80% if an automatic fire sprinkler is present.
The average cost of a commercial kitchen fire is $23,000.
Deep-fried sushi tempura flakes can spontaneously combust.

Are you covered?

Beware of elevated wind, hail, and storm damage deductibles. Many insurance companies have clauses in their policies which impose as much as a 5% deductible for wind, storm or hail damage. A $500,000 building could have as much as a $25,000 deductible on roof damage.

Why Property Insurance?

Your bartender accidentally leaves a candle burning on the bar, igniting a fire in the middle of the night. A power outage during a storm causes your brewing equipment to fail, spoiling a batch of your famous IPA. A devastating tornado tears through your city, leaving your business in ruins. You need an insurance company that responds fast.

Coverage Highlights

Coverage tailored to the hospitality industry
Exceptional claims service
Customizable coverage limits to fit your needs
Loss of Business Income included at actual loss sustained with no waiting period

Claim Vault

Craft beer—you love it. We love it. You realize your dream of opening your own brewpub. Your IPA is sublime and the brick oven pizzas are amazing. But two weeks after opening night, your brand new brewpub burns to the studs. You later learn that your pizza oven was installed incorrectly by a contractor. Your insurance company is on it. Less than 10 months later, you have your second grand opening. It is a near-impossible feat to rebuild your dream, but you did it.

True Story—We’ve been around since 1946. We’ve seen a lot.

How To Get Property Insurance

Complete our easy online quote form and sit back and relax; Guild Insurance handles the rest. Our professional agents will submit your business to our top-rated carriers and contact you once the quote is received.

Guild Insurance has you covered!

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Guild Insurance

Our Other Coverages

You’ve invested a lifetime of passion in your business; You need an insurance policy that will protect it. Guild Insurance offers insurance policies that meet each unique challenge the hospitality industry presents.

General Liability

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Liquor Liability

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Workers Compensation

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Umbrella Liability

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Employment Practices Liability

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Cyber Liability

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Hired & Non-Owned Auto

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Surety Bonds

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