Hospitality Insurance provides coverage for your restaurant, bar, hotel, B&B, special event, and more.
Life is not predictable: people do unexpected things; equipment breaks down; crimes occur; business is interrupted, and you need to know you are protected.
Several coverages are available to help with these risks.
Your business deserves individual care, which is something we specialize in. Our staff has the knowledge and expertise to customize your commercial insurance package: whether you run a small business or a large commercial enterprise, we will design the ideal insurance program to cover all your unique business needs.
We start with an in-depth review of your existing commercial insurance policy to ensure that all areas of risk have been considered. From there we provide you with a comprehensive commercial insurance product specifically tailored to protect you and your business.
Custom Programs: Each one of our insurance programs is uniquely designed, offering specific coverage for your industry; including risk management and industry expertise.
Comprehensive Coverage: We make it our business to thoroughly understand your commercial needs; investing time and consideration in providing comprehensive coverage for each program.
Flexible Policies: Our programs can evolve with your business as it develops, allowing us to make changes to better suit your specific needs.
Business Interruption Insurance
If your business suffers damages where you experience a loss of revenue, having business interruption coverage ensures you are still able to meet your financial obligations such as your business expenses and mortgage payments.
Replacement Cost Insurance
Replacing items of value that may be damaged beyond use can be very expensive. With replacement cost coverage you will receive compensation for the price you will have to pay today for those items new, regardless of what you originally paid for them.
Equipment Breakdown Insurance
This coverage will compensate you for your expenses in the instance that equipment stops working or malfunctions, resulting in a loss to your business.
The weather is becoming more erratic and unpredictable. If there is any chance your business could be damaged by heavy downpours of rain, this insurance is essential.
Liquor Liability Insurance
Liquor coverage protects you from instances where damage or injury happens in a situation where you have served alcohol. Liquor liabilities include:
- when your server sells alcohol to a person once they have become inebriated
- when alcohol being served increases risk at an event
- liability of a person or entity that is responsible for a premise and is expected to do their best to prevent any harm to the people present
- employer responsibility if an employee needs care due to the consumption of alcohol at a company function
- use of excessive or unnecessary force by security personnel in dealing with an inebriated patron