Protect Your Hospitality Business Before a Cyberattack Costs You Everything
Cyber Insurance Group builds cyber liability coverage around the real risks hotels and restaurants face, not a generic policy. Licensed in 28 states, backed by 12+ A-rated carriers.
Compare your business across 12+ A-rated carriers in about 4 minutes, free and with no obligation. Your submission goes to a licensed agent who works cyber liability every day.
Technology Moved Faster Than Your Coverage Did
Most hotels and restaurants we talk to haven’t thought about cyber risk until something already went wrong, or almost did.
You store customer data (names, payment info, maybe health records) and you’re not sure what your real exposure is if it’s breached.
You accept online payments or run point-of-sale systems, but have never confirmed whether a payment compromise is actually covered.
You’ve never been walked through what a ransomware attack would actually cost you in downtime, recovery, and lost business.
Your current policy, if you have one, was written before remote logins, cloud tools, and phishing emails became part of daily business.
We shop your coverage with A-rated carriers like
Why Cyber Liability Coverage Matters for Hotels & Restaurants
Hotels and restaurants handle guest payment card data, reservation and loyalty records, and in many cases identity documents, putting them squarely in the crosshairs of point-of-sale malware and attacks that move through third-party vendors like property management systems and booking platforms. Under PCI DSS 4.0.1, hospitality operators that process card payments must secure their POS systems, encrypt cardholder data, and monitor the vendors connected to their payment environment.
Recent incidents show how exposed that vendor chain can be: a cloud hotel-operations platform breach disclosed in January 2025 compromised systems used by Marriott, Hilton, Hyatt, and Wyndham across more than 10,000 properties, with attackers exfiltrating roughly 7.8 terabytes of data over three months before detection. A separate 2024 attack on a major hotel chain knocked out reservations and payment processing, forcing some properties to go cash-only. One vendor compromise can expose data across thousands of properties, which is why cyber liability coverage matters for hospitality businesses of every size.
Our Comprehensive List of Cyber Coverage Operations
Don’t leave your organization’s security to chance. Explore our comprehensive list of coverage operations.
First-Party Coverage
If your systems go down or your data is stolen, this pays to get you back up and running, covering data recovery, lost income during downtime, and extortion demands, not just the IT bill.
See What’s CoveredThird-Party Coverage
If someone sues you because their data was exposed through your business, this covers your legal defense, regulatory fines, and settlement costs instead of coming out of your own pocket.
See What’s CoveredAdditional Coverages
Round out your policy with crisis PR support, breach-prep services, and employee security training, the pieces that keep a bad day from becoming a bad year.
See What’s CoveredThe Cyber Insurance Group Match
Our named process for finding the right coverage for your hospitality business, fast and without the guesswork.
Tell us about your business
We ask what data you handle, what systems you run, and where your actual exposure lives before we talk price.
We match you across carriers
We compare options across 12+ A-rated carriers and explain the differences in limits, exclusions, and deductibles.
You’re protected
Nothing is bound until you approve. Once covered, we track renewals and revisit coverage as your business grows.
Real Cyberattacks on Hospitality Businesses
If you run a hotel or restaurant, your point-of-sale system is both your lifeline and your biggest cyber liability, since it’s the one place where customer payment data and daily operations collide.
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2014White Lodging Services CorporationHotel Management Company
Malware on point-of-sale systems at food and beverage outlets inside 14 managed hotels stole guest payment card data over roughly a year; a second, separate breach hit the company again the following year.
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2023NCR Aloha POS PlatformRestaurant Point-of-Sale Vendor
A ransomware attack on an NCR data center knocked out back-office functionality for Aloha, a point-of-sale system used by thousands of restaurants, disrupting scheduling, inventory, and payment processing for days.
Source →
By the Numbers
- 91% of breaches in the Accommodation and Food Services industry involved the use of stolen credentials.Verizon, 2022 Data Breach Investigations Report. Source
What This Means for Your Business
Any hotel or restaurant that accepts card payments, regardless of size, must comply with PCI DSS. Version 4.0 requires restricting access to cardholder data on a need-to-know basis and validating compliance annually, obligations that don’t go away just because your point-of-sale vendor is the one that got breached, as the NCR Aloha incident showed. Source.
Real Licenses, Not a Marketing Claim
Cyber Insurance Group is a brand of The Allen Thomas Group, independent since 2003 and holding active insurance licenses in all 28 states we serve. No single insurer signs our paychecks. With 12+ A-rated carriers to choose from, our job is matching your business to the coverage that actually wants it.
Carriers we work with include Chubb, Travelers, The Hartford, Liberty Mutual, Nationwide, Progressive, Cincinnati Insurance, Auto-Owners, AmTrust, and Western Reserve Group. Not every carrier writes in every state.
See our full state-by-state license numbers, or meet the team behind the site.
Before You Decide
The objections we actually hear from business owners, answered straight.
Do hotels and restaurants need cyber liability insurance?
Card data and guest information sit at the center of the operation, and the way in is usually mundane. Verizon found 91% of breaches in the Accommodation and Food Services industry involved the use of stolen credentials. A policy is what funds the response when a compromised login becomes a card breach.
What does cyber liability insurance cover for a hotel or restaurant?
Forensics and breach response, guest notification, PCI fines and assessments from the card brands, business interruption when the point-of-sale or booking system is down, and extortion response.
What does cyber liability insurance not cover for a hospitality business?
It does not cover physical property damage or guest injury, which belong to your property and general liability policies. It will not fund the PCI work you already owed, and it will not retroactively cover a compromise that predates the policy.
If our point-of-sale vendor is breached, is it still our problem?
Largely yes, and that is the uncomfortable part. Any hotel or restaurant accepting card payments must comply with PCI DSS regardless of size, and version 4.0 requires restricting access to cardholder data on a need-to-know basis and validating compliance annually. Those obligations do not disappear because the vendor was the one compromised.
How much does cyber liability insurance cost for a hotel or restaurant?
Most small businesses pay between $400 and $8,000 a year, with the average landing around $1,500. Drivers are card volume, number of locations, and whether you run your own booking and loyalty systems. See the cost guide, or get a number for your property.
Isn’t my point-of-sale vendor responsible if there’s a breach?
Vendor contracts often shift liability back to you, and you still carry PCI compliance validation responsibility regardless of whose system was actually compromised.
Ready to See What You’d Pay?
Independent agents, 12+ A-rated carriers, and a licensed cyber liability specialist reviewing your submission.
No cost to get a quote. Nothing is bound until you approve.
What Do You Know About Where People Are?
Hospitality has almost no sector-specific cyber statute. What it has instead is presence: these businesses know where named people are, or will be.
Event Venues & Catering
Your files describe who will be in one building on one date, and where each of them will sit. The event has not happened yet.
See Venue CoverageHotels & Resorts
The case that settled whether a federal agency can police data security at all was brought against a hotel company.
See Hotel CoverageRestaurants & Bars
Your customer relationship moved onto platforms you do not control, and you are still the name on it.
See Restaurant CoverageShort-Term Rentals
Your listings, calendar, reviews and payouts all live inside an account you do not own and cannot administer.
See Rental Manager Coverage