At Morris & Garritano, our experts possess the knowledge, experience, and passion required to confidently understand and manage the unique insurance needs of the hospitality industry. Serving numerous hospitality ventures ranging from small boutique hotels to multi-location resorts, our team has been trusted for generations to provide specialized expertise and develop comprehensive solutions aptly suited to our clients’ needs.
At M&G, we’re proud to offer clients access to our premier service team dedicated to Human Resources, Risk Management, and Workers’ Compensation solutions. Our comprehensive service offerings provide our clients peace of mind knowing they are in capable hands. By working closely with your carrier and utilizing strong relationships, we will determine the areas of service that provide your company the most benefit while making sure you receive individualized care and support when needed.
Providing the Best Service to You
Hospitality is all about providing a pleasant experience and superior service to your clients, and you deserve an insurance team that will do the same for you. We are dedicated to taking proactive steps to ensure proper coverage for your establishment, your guests, and your employees by utilizing an array of services that may include:
Comprehensive Coverage
With a focus on the hospitality and lodging industry, we offer various lines of coverage that pertain to all elements of your business, including:
The temporary Medicare Part D premium stabilization subsidies are ending after 2026. As a result, some Medicare beneficiaries may see changes to their standalone Prescription Drug Plan (PDP) premiums and coverage options in 2027.
Learn how to engage your Medical Provider Network, train supervisors, guide injured employees to care, and support a smoother return-to-work process.
General liability and umbrella insurance rates remain under pressure as social inflation, larger jury awards, and rising claim costs reshape the liability landscape. Learn what’s driving these increases and the steps businesses can take to strengthen their risk management programs.
Effective contractual risk transfer goes beyond collecting COIs. Strong agreements, appropriate insurance requirements, and supporting endorsements help businesses manage vendor, contractor, and third-party risks with greater confidence.
Commercial auto insurance rates continue to climb due to rising claim costs, social inflation, distracted driving, and expensive vehicle repairs. Learn what's driving the market and the fleet safety strategies businesses can use to better manage risk.
Understand Class Code 5606 eligibility, avoid workers’ compensation misclassification, and reduce the risk of unexpected premium adjustments at audit.
Does claim frequency impact your ExMod more than claim severity? Learn how the WCIRB experience rating formula works and why multiple small claims can affect workers' compensation premiums more than fewer large claims.
A safety violation doesn’t have to involve a major accident to have a meaningful impact on your business. Each year, Cal/OSHA identifies the workplace safety standards most frequently cited for violations in the prior year. Here are the Top 10 for 2025—and what employers can learn from them.
For many people, Medicare can feel mysterious or confusing as they approach age 65. The program is structured differently from the employer-sponsored health plans most people are accustomed to, including its approach to preventive care.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
