The digital age has revolutionized the hospitality industry. But with great power comes great responsibility. Data breaches, cyber-attacks, and digital fraud have emerged as significant threats. Physical damages and liabilities have traditionally been the focus of insurance policies in hospitality. However, in today’s interconnected world, overlooking cyber liability can be a grave oversight. Digital assets are as critical as physical ones, and their protection is paramount. As the lines between the digital and physical worlds blur, the risks also intertwine. Businesses need to recognize this new reality and adapt accordingly. Comprehensive insurance, one that encompasses both worlds, is no longer optional; it’s imperative.