Restaurant and Hospitality Insurance

You pour everything into your business when you own a restaurant, cafe, resort, winery or brewery, and we know you need the right insurance policy to protect what you’ve built. At Stewart Morrison Insurance, we’ll make sure you’re covered.

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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:

  • Restaurants
  • Cafes
  • Coffee Shops
  • Hotels
  • Inns
  • Bars
  • Breweries
  • Wineries
  • Caterers
  • 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.

  • Buildings

    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.

  • Equipment Breakdown

    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.

  • Food Spoilage

    Protection of perishable stock that has spoiled due to a power outage, breakdown or contamination.

  • Crime

    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.

  • Commercial Liability

    Protects your business against legal liability claims made by others for bodily injury, property damage, or advertising liability arising from your business operations.

  • Liquor Liability

    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.

  • Cyber Risk

    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.

  • Catering

    Extension of coverage for offsite events, ensuring you’re protected for your services in the event of a claim.

  • Business Vehicles

    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.

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Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

“We take the worry out of purchasing insurance. Call us: Our business is to protect yours.”

Marlene Morrison Nicholls
President & CEO

Live Your Best, Let Us Do the Rest

We’re here to ensure you’re protected and have insurance options for your business, your home and all that matters to you. Learn more: