Coverage for hotels and restaurants

We deliver industry-specific underwriting, risk control analysis and claim service tailored to the nuances of the hospitality industry.

We have the knowledge, experience and technical ability to help hotel and restaurant owners identify and reduce exposures that could result in injuries or damage to property.

From spas and golf courses to gyms, pools and restaurants, the hotel industry is full of assorted properties. It’s also full of diverse risks and exposures. 

Policies include contents, stock, tenant improvements and betterments, as well as electronic data processing equipment in the definition of business personal property
Interruption of utility services
Electronic vandalism
Loss of master key, including key cards
Outside signs
Walkways, sidewalks, driveways and parking areas
Ordinance or law, including increased cost of construction and demolition costs
Emergency evacuation expense – boarding students or hotel guests endorsement
Restaurant wine stock endorsement
Food contamination – direct damage endorsement
Equipment breakdown coverage
Hospitality errors and omissions liability endorsement
Personal grooming services endorsement

For Restaurants

From upscale casual to fine dining establishments, we have customizable full-service insurance solutions for full-service restaurants.

Coverages Include 

contents, stock, equipment, tenant improvements and betterments, as well as electronic data processing equipment in the definition of business personal property
Interruption of utility services
Electronic vandalism
Outdoor property
Walkways, sidewalks, driveways and parking areas
Ordinances or laws, including increased cost of construction and demolition costs
Newly constructed or acquired property
Peak season increased limit of insurance endorsement
Spoilage – direct damage endorsement
Food contamination – direct damage endorsement
Infestation – direct damage endorsement
Restaurant wine stock endorsement
Equipment breakdown coverage, including production machinery

Our customers

Hotels

Franchised hotel operations
Convention hotels or conference centres
Both full and limited service hotels
Suite hotels

Restaurants

Fine dining restaurants
Upscale casual restaurants
Family style restaurants

HOTELS AND RESTAURANTS