Serving Up Business Insurance You Can Count On
Owning a restaurant, coffee shop, brew house or hotel is as much a passion as it is a business. While surprises are inevitable, with a solid insurance policy, you’ll worry less about unexpected events, such as food spoilage caused by equipment breakdowns, theft, property damage or data breaches.
Our team of restaurant and hospitality insurance experts will get to know your operations so we can offer the right guidance and craft a tailored business insurance solution that uses your premiums wisely. If something goes wrong and you need to make a claim, we’ll be there to advocate for you throughout the process, so you can get back to serving your customers.
We provide insurance for a wide range of restaurant and hospitality businesses, such as:
- Coffee Shops
- and more
Our insurance packages give you the right coverage at the best value. Let’s work together to build you a custom solution you can count on.
Restaurant and Hospitality Insurance Coverages
Your business is unique, so your insurance should be, too. Here are some of the coverages you may need.
Coverage for loss or damage to buildings you own as a result fire, wind, water, theft or other unexpected incidences.
Contents, Equipment and Stock
Protects against damage, loss and theft of your company property, such as POS systems, computers, kitchen equipment, furniture or inventory, including any high-value stock, sich as wine collections.
Protects your equipment assets against mechanical or electrical breakdown, with coverage for the cost to repair or replace the equipment, as well as to repair any damage caused by the breakdown.
Protection of perishable stock that has spoiled due to a power outage, breakdown or contamination.
Coverage for financial loss of currency or inventory due to employee dishonesty, inside or outside robbery, fraud or forgery.
Loss of Income
Coverage for loss of income as a result of an interruption of your regular business operations due to a covered loss.
Protects your business against legal liability claims made by others for bodily injury, property damage, or advertising liability arising from your business operations.
Coverage for individuals or organizations hosting events where alcohol is served to guests or customers. It provides financial protection against claims of damage or injuries caused by an impaired guest or customer.
Designed to provide protection from a data breach or other cyber event by assisting with costs such as recovery of information, network repairs, legal claims and public relations services.
Extension of coverage for offsite events, ensuring you’re protected for your services in the event of a claim.
Coverage for vehicles registered to your organization and used in your operations. It includes third-party liability and accident benefits with optional coverage available for collision, comprehensive and loss of use.
Additional Insurance for Wineries:
Winery Equipment Breakdown
Protects your winery’s assets against mechanical or electrical breakdown, with coverage for the cost to repair or replace the equipment, and to repair any damage caused by the equipment breakdown.
Harvesting and Crushing
Coverage for the complete wine making process, including damage to your grapes (due to weather, weeds, soil or insects), water contamination, leakage, and equipment damage.
Fermenting, Storage and Bottling
Covers leakage resulting in the loss of wine, as well as damage to other property on your premises resulting from the wine leakage.
Packaging and Transport
Covers damage to bottles of wine and other products, supplies or equipment during transit.
Manufacturers Errors and Omissions
Coverage for incorrect, poor or faulty products that you manufacture, handle, sell, or distribute.
Additional Insurance for Breweries:
Brew House and Equipment Breakdown
Protects your brewery and brew house assets against mechanical or electrical breakdown, with coverage for the cost to repair or replace the equipment, as well as to repair damage caused by the equipment breakdown.
Malting and Milling
Coverage for the complete brewing process, such as leakage, water contamination, or damage to your cereal grains by fire, insects, or rodents.
Mashing, Boiling and Fermenting
Covers leakage resulting in the loss of beer and/or damage to property on your premises.
Labelling, Packaging and Transport
Covers damage to product or supplies, such as stock and equipment during transit.
Manufacturer’s Errors and Omissions
Coverage for incorrect, poor or faulty products that you manufacture, handle, sell or distribute.