Resort Insurance

We are very proud to have one of Canada’s longest-standing programs, providing customized insurance specific to hunting, fishing, and general outdoor activity-based tourism operations; tourism-based operations often have a set risk profile not very well understood by the general insurance market.

The fact is that where we live, work, and play is different, unique, and requires custom solutions. It’s difficult in itself to place a policy for exposures to snow load, vandalism for seasonal vacancies, forest fire, flood, and marine risks. Not to mention the unique liability exposure that comes with extensive and often misunderstood outdoor activities.

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What Resort Insurance Covers

The saying, “Make hay while the sun shines” is often very accurate for the many tourism-based operations; most have a short or peak season to bring in revenue, making proper protection vital.

This is why we have partnered with Canada’s top insurance companies to offer products that will help you get back on your feet in the event of hardships caused by external factors.

Insurance to protect you against liability is a basic need for every business, but for resorts where individuals are sleeping, eating, and essentially living on your property, it is essential. Liability Insurance is there to protect you financially should a guest or any other resort visitor be injured, fall ill, or perish on your property.

Liability Coverage may assist with legal fees, medical bills, repair to damaged property, or help with funeral costs in the event of a death.

There are insurance options available to protect the property and structure that are normal for daily operations, including sleeping quarters, service buildings, recreational halls, fish cleaning, shower houses, and solar and water systems.

When a resort is impacted by damage such as broken water lines or fire, there is an interruption of services that causes loss of income for you and loss of wages for employees. Many Resort Insurance policies include some form of business interruption coverage. The amount of money you get from this portion of your policy depends on the size of your resort and the amount agreed upon in your contract.

Your income protection may also provide you with alternative lodgings for guests while your main property is being repaired. Campers, trailers, and other mobile lodgings may be paid for by your Resort Insurance until your main property is ready for guests.

Even the most honest and hard-working resorts face criminal activity from time to time. Criminal Insurance helps with legal fees in criminal cases against a thief or vandal and helps with the cost to replace stolen items or damaged property on your resort.

Guest property protection may fall under the scope of your liability insurance, but it is best to check. You may need special custom guest property protection depending on the size of your resort and the type of activities there.

Guest property protection ensures you are not legally responsible for lost, stolen, or damaged items belonging to guests of the resort.

Many large Canadian resorts use aviation vehicles of one kind or another. Whether you have a seaplane, small fixed-wing passenger plane, or a helicopter to transport your guests, Aviation Insurance covers the following areas:

Plane hull
Plane hangar / storage facility
Liability

Within the aviation portion of your Resort Insurance policy, you may consider opting for Non-owned Aviation Liability insurance. This is protection for planes which are not owned by the resort, but which visit your property or are used as transportation to and from your site. If an unowned plane is damaged, your Non-owned Aviation Liability coverage keeps you from being liable for applicable costs.

Like Aviation Insurance, Marine Insurance is there to cover watercrafts used on your property. Canada is well-known for our beautiful natural bodies of water, so it only makes sense that resort visitors would travel to some of these sites hoping to get out on the open sea, river, or lake.

Marine Insurance covers a variety of watercraft, including:

Kayaks
Fishing vessels
Row boats
Motorboats
Canoes
Jet skis
Yachts
Schooners
Sailboats

Natural disasters are often not covered under general resort insurance; however, you can get extended coverage if you are based in an area which experiences:

Flooding
Forest fires
Earthquakes
Tornadoes
Hurricanes

Liability Coverage may assist with legal fees, medical bills, repair to damaged property, or help with funeral costs in the event of a death.

Guest property protection ensures you are not legally responsible for lost, stolen, or damaged items belonging to guests of the resort.

Plane hull
Plane hangar / storage facility
Liability

Marine Insurance covers a variety of watercraft, including:

Kayaks
Fishing vessels
Row boats
Motorboats
Canoes
Jet skis
Yachts
Schooners
Sailboats

Natural disasters are often not covered under general resort insurance; however, you can get extended coverage if you are based in an area which experiences:

Flooding
Forest fires
Earthquakes
Tornadoes
Hurricanes

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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Are you looking for business insurance in Canada? Our brokers can help by finding potential discounts, like bundling business, auto, and home insurance. Having the right coverage is crucial, no matter your industry, and we're here to guide you. Our team will advocate for you, providing personalized quotes and an accurate estimate for your business insurance needs.

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FAQs

As a leading Resort Insurance brokerage in Canada, we receive many questions on the topic. To help our clients better understand these insurance products, here are some of our most frequently asked questions:

Are my commercial vehicles covered under basic Resort Insurance?

Not usually. You will likely need extended coverage for commercial vehicles to protect any cars, trucks, ATVs, and other automobiles used on-site.

If my guests have travel insurance, do I need liability insurance?

Absolutely! Your guests’ travel insurance protects them from unforeseen medical costs should they be injured at your resort. However, if your guest trips over unleveled cobblestone in your walkway or is in a motor accident while being transported in a company vehicle, your liability insurance is needed to protect you from medical (and potentially legal) fees.

Can I get a discount on extended insurance if I use the same broker or insurance provider?

Most insurance providers will offer discounted rates when you bundle together various insurance products. When you work with our experienced team at The Standard, you can count on your broker going above and beyond to find the best rates and custom options for your resort.

Are my commercial vehicles covered under basic Resort Insurance?

Not usually. You will likely need extended coverage for commercial vehicles to protect any cars, trucks, ATVs, and other automobiles used on-site.

Can I get a discount on extended insurance if I use the same broker or insurance provider?

If my guests have travel insurance, do I need liability insurance?

Vehicle Insurance

Property Insurance

Other Insurance

Resort Insurance

What Resort Insurance Covers

Liability

Property and Structure

Business Interruption and Wage Loss

Criminal

Guest Property

Aviation

Non-owned Aviation Liability

Marine

Natural Disaster

Liability

Property and Structure

Business Interruption and Wage Loss

Criminal

Guest Property

Aviation

Non-owned Aviation Liability

Marine

Natural Disaster

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

Get in touch with BrokerLink

FAQs

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