Hospitality Industry Insurance

Get reliable hospitality coverage tailored for you by BrokerLink.

Running a hospitality business can be fulfilling but it also takes a lot of hard work! Whether you own and operate an all-season resort, campground, restaurant or hotel, BrokerLink understands the hospitality industry. Our brokers have decades of experience and we’ve built strong relationships with Canada’s major insurance companies to help you find insurance solutions tailored to your unique needs. You’ll find us located across Canada, and we live in the communities we serve. That means we understand the specific coverage your business needs. We’re here to offer you peace of mind so you can focus on providing amazing hospitality to your guests.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is hospitality insurance?

Hospitality insurance is customized coverage for the specific risks that hospitality operators face. Every business within the hospitality industry is unique, so your coverage should be too. We know you do your best to create a safe space for your guests and employees, but even when you’re actively managing risk, unforeseen incidents that are out of your control can happen. These unexpected events can cost your business time and money and that’s why the right coverage is so important. You can tailor your insurance to cover the things that matter most to your business operations.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

Many different businesses require hospitality insurance, including:

Spas
Bars
Hotels
Airbnbs
Resorts
Restaurant
Food services
Tour operators
Event venues
Wellness centres
Lodging services
Catering services
Bed and breakfasts
Entertainment services
Event hosting services
Vacation rental property hosts
Conventions and trade show organizer

Why do you need hospitality insurance?

Risk mitigation

The hospitality industry faces numerous risks, such as guest injuries, property damage, foodborne illnesses and lawsuits. Insurance helps mitigate these risks.

Legal protection

Hospitality businesses can be liable for accidents on their premises or incidents involving employees. Insurance can protect against the financial consequences of legal action.

Business continuity

Insurance can help keep your business running if something unexpected happens, such as a fire or natural disaster.

Client trust

Having insurance reassures guests and clients that you're prepared for unexpected situations, enhancing their confidence in your service.

Coverages

Businesses in the hospitality sector face a specific set of risks.

What does hospitality insurance cover?

A BrokerLink insurance broker will take the time to get to know your business and understand the risk you may face. Together, you can discuss what coverages make the most sense, and how they’ll protect your business. Coverage is customizable and may include:

Recommended

Additional

Protects against claims for bodily injury or property damage caused by your business operations. For example, a guest slips and falls in your hotel lobby. This coverage is crucial for covering medical expenses, legal fees, and potential settlements, thereby safeguarding your business from significant financial burdens. Additionally, it helps maintain your business's reputation by demonstrating a commitment to guest safety and care, which can be vital for customer trust and retention.

Covers damage to your building, equipment, furniture, and other assets. This can include damage from fire, theft, or vandalism. By providing compensation for repair or replacement costs, property insurance ensures that operations can quickly resume with minimal disruptions. Furthermore, it protects your capital investments and aids in financial stability, allowing you to focus on delivering excellent service without the worry of unexpected property losses.

Covers lost income due to an event that forces your business to temporarily shut down, such as a fire or natural disaster. This insurance not only replaces lost revenue but also helps cover ongoing expenses like payroll, rent, and utilities, preventing financial strain during the downtime. By providing a financial buffer, it allows your business to recover and reopen without significant setbacks, ensuring long-term operational stability and resilience against future disruptions.

Covers medical expenses and lost wages for employees who are injured on the job. This insurance is essential for ensuring that employees receive necessary medical treatment and wage replacement while they recover, promoting a supportive work environment. Additionally, it helps protect your business from potential lawsuits by offering a structured compensation system, thereby fostering a sense of security and trust among your staff.

Covers claims of food poisoning or illness related to the food served by your business. This coverage is crucial for managing the costs associated with medical expenses, legal fees and potential settlements arising from claims, safeguarding your business's financial health. By addressing these risks, it also helps maintain customer confidence in your establishment, allowing you to protect your reputation and continue building trust with your clientele.

If you serve alcohol, this protects against claims related to the sale or service of alcohol, such as an intoxicated guest causing harm. This coverage is vital for managing the financial repercussions of incidents involving alcohol, including legal defense costs and damages awarded in lawsuits. Moreover, it ensures compliance with local regulations and promotes responsible serving practices, ultimately helping you maintain a safe environment for both guests and staff.

Protects against data breaches and cyber-attacks, which are increasingly important with the rise of online reservations and digital transactions. This coverage helps cover the costs of investigating and responding to cyber incidents, including expenses related to notifying customers and restoring compromised data systems.

Example: A hotel chain uses an online reservation system that collects sensitive customer information, including names, addresses, credit card numbers, and personal preferences. One day, cybercriminals infiltrate the hotel’s network through a sophisticated phishing attack, gaining unauthorized access to their customer database. As a result, the personal and financial data of thousands of guests are compromised. With cyber insurance, the hotel chain is protected against the financial fallout from this data breach.

If you're offering specialized services (such as event planning), this can cover claims of negligence or errors in service. It is essential for protecting your business against legal claims from dissatisfied clients who allege that your professional advice or planning services led to financial loss or other damages. Coverage typically includes legal defense costs and any settlements or judgments, ensuring you can address these challenges without severe financial strain. By having this protection, you can focus confidently on delivering high-quality services while safeguarding your reputation and business assets.

Example: Imagine a high-end day spa that offers a range of services, including massages, facials, and aromatherapy treatments. One day, a client visits the spa for a facial treatment and later develops an allergic reaction due to a product used during the session. The client files a lawsuit against the spa, claiming negligence and failure to inquire properly about potential allergies, which led to medical expenses and emotional distress. In this scenario, professional liability (E&O) insurance would be crucial for the spa. The policy would cover the legal defense costs, any settlements or judgments, and associated expenses arising from the claim.

Covers theft of money, property or assets, either by employees or external parties. This coverage is crucial for safeguarding your business against financial losses resulting from dishonest acts, including embezzlement, fraud, or robbery. It provides essential protection by covering the costs associated with investigating incidents and recouping losses, thereby maintaining the financial health of your business.

For businesses in areas prone to natural disasters, this can be essential. It provides financial protection against the devastating impact of such events, covering the costs of property damage and the loss of business assets caused by flooding or seismic activity. Ultimately, having this coverage ensures that your business can withstand and recover from the unpredictable forces of nature.

Protects the personal assets of business owners and board members from lawsuits related to the business’s decisions. This coverage is especially important in safeguarding against claims of mismanagement, breach of fiduciary duty, or other allegations of wrongful acts made in the course of their corporate governance roles.

Example: Consider a hotel chain where the board of directors decides to implement a new organizational restructuring, which includes laying off several managerial employees to streamline operations. One of the terminated employees believes the dismissal was unjust and files a wrongful dismissal lawsuit against the company, alleging that the termination lacked proper cause and was in violation of employment contracts. In this situation, directors and officers (D&O) insurance would become a vital protective measure for the hotel chain. This policy covers the legal defense costs, and any potential settlements or judgments related to the lawsuit.

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Why choose BrokerLink for your commercial insurance needs?

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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Our numbers speak for themselves

Factors that may affect the cost of hospitality insurance

All businesses are different, and insurance companies consider many different factors when determining your rate.

Size of the business

Larger operations typically have higher premiums due to increased risks.

Location

If your property is in a high-risk area (e.g., flood-prone zones), this can increase costs.

Type of business

A hotel with 100 rooms will have different needs and risks compared to a small café or food truck.

Claims history

An insurance company will take your claims history into account when determining your rate.

Revenue and operations

Businesses with higher revenue and more complex operations (e.g., 24-hour services, alcohol sales) may face higher insurance costs.

Your broker will work with you to offer a solution that is tailored to your unique needs. The cost will vary depending on the type of hospitality business you run, its size and several other factors. We can also help with risk mitigation and guide you through the claims process in the event of a claim.

Ways to save on hospitality insurance

Bundling

Many insurance companies offer bundled packages that combine multiple types of coverage at a lower rate than purchasing them separately.

Risk management

Insurance providers may offer risk management tips to help reduce premiums, such as improving safety protocols, installing fire safety equipment or implementing employee training programs.

Claims process

It’s important to understand the claims process. Keep detailed records of all incidents and property damage and report any claims promptly to ensure they are processed efficiently.

Contact us

Need help with business insurance? Our brokers can find the best discounts and plans for you. We'll offer personalized quotes and explore the best options.

With our expertise, you can focus on what you do best — running your business — while we handle all of your insurance needs. Let us take the stress out of finding the perfect coverage for you.

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About us

Vehicle Insurance

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Other Insurance

Hospitality Industry Insurance

What is hospitality insurance?

Who we help

Who needs hospitality insurance?

Why do you need hospitality insurance?

Risk mitigation

Legal protection

Business continuity

Client trust

Coverages

What does hospitality insurance cover?

General liability

Property insurance

Business interruption

Employers liability

Foodborne illness

Liquor liability

Cyber insurance

Professional liability (errors & omissions)

Crime insurance

Flood or earthquake insurance

Directors and officers (D&O) insurance

General liability

Property insurance

Business interruption

Employers liability

Foodborne illness

Liquor liability

Cyber insurance

Professional liability (errors & omissions)

Crime insurance

Flood or earthquake insurance

Directors and officers (D&O) insurance

Why choose BrokerLink for your commercial insurance needs?

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Factors that may affect the cost of hospitality insurance

Size of the business

Location

Type of business