Industry package

Hospitality & Lodging Insurance Packages

Coverage for the businesses that host, feed, and welcome Ontario.

Hospitality businesses serve the public, which means liquor liability, food risk, guest property, and high foot traffic. Our package brings together the property, liability, and specialty coverages hotels, restaurants, and lodging operators need.

We tailor it to your service, from a single café to a full hotel.

What the package includes

Commercial general and liquor liability
Property, kitchen equipment, and contents
Food spoilage and equipment breakdown
Guest property and innkeeper's liability
Business interruption

Good to know

Frequently asked questions

Do I need liquor liability?: If you serve or sell alcohol, liquor liability is essential and often legally required. We'll include the right limits for your licence.
Is kitchen equipment breakdown covered?: We add equipment breakdown and food spoilage coverage to most hospitality packages, since a refrigeration failure can be costly. We'll tailor it.
Can you cover a seasonal operation?: Yes — we structure coverage for seasonal and event-based hospitality businesses. Tell us your season and we'll fit it.

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Automotive Business & Professional Services Construction & Contractors Education & Organizations Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Do I need liquor liability?

If you serve or sell alcohol, liquor liability is essential and often legally required. We'll include the right limits for your licence.

Is kitchen equipment breakdown covered?

We add equipment breakdown and food spoilage coverage to most hospitality packages, since a refrigeration failure can be costly. We'll tailor it.

Can you cover a seasonal operation?

Yes — we structure coverage for seasonal and event-based hospitality businesses. Tell us your season and we'll fit it.