Hospitality Insurance
Helping hospitality businesses keep the pace.
If you own a hospitality business, our insurance experts are here to help. Acera Insurance is one of the largest, independent hospitality insurance brokers in Canada and has been trusted by local establishments and large commercial chains for over 60 years.
Outstanding service meets innovative solutions.
Whether you’re running a food truck or managing a full-scale resort, we understand the unique challenges hospitality businesses face and can tailor coverage to your company. With our hands-on approach, you’ll receive exceptional customer service and risk solutions that cater to your industry’s fast pace, higher risks and daily demands.
Who we help
Restaurants
Cafes
Bakeries
Takeaways
Mobile Food Trucks
Catering Companies
Hotels
Motels
Resorts & Spas
Bed & Breakfasts
Bars
Night Clubs
Lounges
Golf Courses
Our diverse experience.
With so many factors to consider, our hospitality insurance experts take the time to truly understand your business to make the best possible recommendations. We understand the need for competitively priced programs, which include coverage for direct losses, timely replacement of assets and protection of customer goodwill. We can provide specialized insurance in these areas:
Hotel Insurance
Resort Insurance
Restaurant Insurance
Bar & Pub Insurance
Event Insurance
Industry expertise by association.
The hospitality industry is a diverse sector with a wide range of employees, skill sets, and insurance risks. With active memberships in hospitality associations throughout Canada, we stay informed on the latest industry topics and trends.
The essential coverage your industry needs.
Business Property
This essential coverage protects your company’s building(s) and property. It includes everything from operational structure to contents such as kitchen equipment, inventory, furniture, electronics and related contents (on site or in transit).
Commercial General Liability (CGL)
This coverage is absolutely crucial for all hospitality businesses. It covers legal expenses if someone is injured on your property. It also provides innkeeper’s coverage for the property of guests, and claims arising from security protecting customers and the premises.
Business Interruption
This coverage provides funds to cover essentials if you are forced to shut down due to an insured claim. It can help expedite expenses to quickly reopen and in some cases, can provide resources for temporary relocation.
Cyber Liability
If you store any personal customer information, cyber liability insurance can be critical to your hospitality business. This crucial coverage provides you with protection in the event your business falls victim to a data breach or cyberattack.
Special Events Liability
This coverage includes third-party property damage and bodily injury, as well as medical payment, non-owned auto, food and beverage products and cross liability protection. This may be included as part of your CGL policy or purchased as an add-on coverage.
Employment Practices Insurance (EPL)
This coverage protects employers from claims made by employees alleging workplace issues, such as discrimination, harassment, or wrongful termination. Regardless of the claim’s validity, this insurance helps provide financial recuperation related to defence costs and damages.
Food Contamination
This option is essential for all companies who deal with any type of food handling. It provides protection against contamination and food-borne illness, as well as contingent coverage arising from outbreaks of disease and bacteria.
Liquor Liability
In the event of a liquor-related incident and resulting lawsuit, this coverage will help protect you. Some commercial general liability policies will include this type of coverage, while others may require you to purchase it separately.
Event Cancellation
This option helps recoup financial losses after event cancellation, postponement, interruption, relocation, or another uncontrollable circumstance covered under the policy.
Directors & Officers Liability (D&O)
This type of insurance is designed to protect individuals who serve as directors or officers of a business. It offers coverage for them in the event they are sued due to their actions while serving in their roles.
Errors & Omissions Insurance (E&O)
Also known as professional liability coverage, E&O insurance protects businesses and professionals from claims made by clients due to mistakes, negligence or inadequate work while providing professional services.
Equipment Breakdown Insurance
This valuable form of insurance helps pay for the repair or replacement of equipment that suddenly gets damaged or unexpectedly stops working due to mechanical or electrical issues.
Speak to a specialist.
Get in touch with a dedicated advisor on our hospitality insurance team and we’ll get to work building the perfect coverage program for you.
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