Hospitality and Restaurant Businesses
Elevate guest experiences with
peace of mind
Running a hospitality or restaurant business means balancing operational challenges with quality experiences. Whether you run a café or a premier hotel, we’re here to protect what matters most—so you can focus on delivering unforgettable guest experiences.
What is Hospitality and Restaurant Insurance?
Hospitality and restaurant insurance is tailored to safeguard businesses in the hospitality sector from unforeseen events like property damage, liability claims, and equipment breakdowns.
Types of coverage
From day-to-day risks to industry-specific challenges, our coverage options provide the protection your hospitality or restaurant business needs. Coverages that may apply include:
- General liability
- Liquor liability
- Employers liability
- Advertising liability
- Non-Owned Auto liability
- Property – which may include; Building, contents, equipment, stock, tenant’s improvements and betterments, tenant’s legal liability
- Stock (peak season)
- Equipment breakdown
- Business interruption
- Cyber liability
Who we protect
Every hospitality or restaurant business has unique requirements, and our tailored insurance solutions are designed to accommodate the distinct needs of:
- Bed and breakfasts
- Catering services
- Coffee house roasters, cafés, delis, and sandwich shops
- Craft breweries, distilleries, and wineries
- Food trucks
- Golf courses and club houses
- Pizzerias
- Resorts, hotels, and motels
- Restaurants, diners, bistros, and lounges
- Sports and event venues that offer food and beverage
- Yacht, sailing, curling, and tennis clubs (including those that offer food, beverage, and retail outlets)
- Membership clubs
Review-worthy protection.
Explore how our tailored insurance solutions can strengthen and protect your business’ future.
Frequently asked questions
Find answers to common questions about hospitality and restaurant insurance.
Do you offer insurance policies for small or new restaurants?
Yes, we have specialized insurance solutions designed to meet the needs of small and emerging businesses in the hospitality sector.
My business is seasonal. Can I still get coverage?
Seasonal businesses are eligible for year-round policies. Even during off-season, continuous coverage can protect your business against risks such as theft, vandalism, and environmental damage.
Have more questions?
Contact us for more information.