Top Shelf Hospitality Insurance
Bespoke insurance for Top Shelf Hospitality members.
Acera Insurance has designed a customized insurance and risk management program specifically for Top Shelf Hospitality members. Leveraging Top Shelf Hospitality’s group buying power, we can offer members the industry’s best insurance rates while keeping policies individualized so that claims made by other group members don’t affect your premiums.
Discover the highlights of our program.
Our goal was to customize the coverage, limits and deductibles – all while providing competitive pricing. We took this even further by working on risk management services for Top Shelf Hospitality members to help you reduce industry risks and improve your profitability.
The program includes:
- Hospitality specific insurance products
- Industry specific risk management materials and services, including:
- Employee safety manuals
- Educational seminars
- Maintenance logs
- Checklists
- Loss control services
Our program has flexible payment options, including a convenient monthly payment plan.
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 our Hospitality Insurance specialist, Steve Noreen and we’ll get to work building the perfect coverage program for you.