Property & guest protection
Buildings, contents, equipment breakdown, guest liability, liquor and umbrella.
California hospitality insurance
Protect the place
people remember.
Insurance and risk guidance designed around the realities of independent hotels, from guest experience and property protection to workers’ compensation and cyber risk.
Independent guidance · California expertise · Human service
Built for independent properties
Focused on California hospitality
Built for independent properties
Responsive, human service
A hotel is never just a building
One property.
A hundred moving parts.
We help connect the risks that are too often handled in isolation, so your coverage reflects how your hotel actually operates.
Your people & their well-being
Workers’ compensation, employment practices liability, benefits and safety strategy.
Operational resilience
Business interruption, equipment failure, vendor exposures and continuity planning.
Property & cyber security
Guest data, payment systems, privacy events, social engineering and incident response.
ISSUE 01
SEPT 2026
SEPT 2026
California
Hospitality
Risk Brief
Hospitality
Risk Brief
Practical risk management insights.
This month’s focusPreventing housekeeping injuries: a silent cost driver.
Useful before it’s urgent
Risk guidance made for the people running the property.
Our California Hospitality Risk Brief turns claims patterns and operational pressure points into practical conversations for owners, general managers and department leaders.
Insurance awarenessEmployee well-beingOperational excellenceCyber security
Read the latest brief →Coverage, connected
Built around the way your hotel works.
Independent properties rarely fit cleanly into a standard package. We start with the operation, then shape the insurance program around it.
01→02→03→04→05→
Property & business income
Buildings and contents, Business income & extra expense, Ordinance and law, Equipment breakdown
General & liquor liability
Premises and operations, Liquor liability, Innkeeper’s liability, Umbrella / excess
Workers’ compensation
Employee injury coverage, Housekeeping ergonomics, Return-to-work planning, Claims review
Cyber & privacy
Data breach response, Business interruption, Social engineering, Ransomware and recovery
Management & employment risk
Employment practices liability, Directors & officers, Crime / fidelity, Fiduciary liability
A clearer insurance process
Thoughtful advice. No hospitality-industry translation required.
See the whole operation.
We learn the property, people, amenities, contracts and plans behind the guest experience.
Connect coverage to reality.
We identify gaps, simplify tradeoffs and build an insurance program with intent.
Keep pace with the property.
As operations evolve, we remain available for decisions, claims and renewal strategy.
Meet your hospitality team
A relationship with a team, not a handoff.
Boutique hotel clients work with people who know the account, understand the operation and stay close to day-to-day needs.
Eric Schirding
Co-FounderEric helps set the direction for UWIB’s hospitality practice and makes sure clients are connected with the right people from the beginning.
Meet Eric →Your day-to-day team
Hospitality service, with a team you know and direct access.
Stephanie Fregosi
Client Services Manager
Crystal van Eekhout
Commercial Account Manager
Christa Ritner
Senior Account ManagerTogether, the team supports policy changes, certificates and documentation, carrier coordination, renewal preparation and the questions that come up between renewal dates.
Start with a conversation
Let’s look at the risk behind the reservation.
Tell us a little about your property. We’ll follow up with a focused conversation: no generic pitch, no pressure.