Nova Scotia Hospitality Insurance

Dedicated hospitality insurance brokers in Nova Scotia

With decades of experience in the hospitality industry, Acera Insurance has been a trusted broker and resource for local and national food and beverage establishments. Whether you own a food truck or run a small B&B along the coast, our Nova Scotia commercial insurance specialists understand the unique challenges faced by hospitality businesses of all shapes and sizes.

Acera Insurance is one of the largest independent hospitality insurance brokers in Canada with a local presence in Nova Scotia. This means we can utilize our local knowledge of the area, in addition to our industry resources, to provide you with highly customized and competitive hospitality insurance quotes. Plus, with our team, your insurance journey with us doesn’t stop once you have purchased your policy.  As an Acera Insurance client, you’ll receive exceptional customer service and a dedicated resource you can come to for risk mitigation questions and advice. We are proud to be your insurance partners and offer assistance at your convenience.

Get a hospitality insurance quote online, by phone or in-person with Acera Insurance.

Finding the best hotel and restaurant insurance in Nova Scotia

With a large hospitality portfolio, our team has vast knowledge and experience securing reliable commercial insurance and risk management solutions for hospitality managers and owners.

Not sure if you need hospitality insurance? If you offer food and beverage service or provide accommodation to guests, you most likely require hospitality insurance, which is a grouping of insurance coverages designed to cater to the unique demands of your business.

Our team provides hospitality insurance solutions for the following businesses:

Hospitality insurance coverage options in Nova Scotia

Your hospitality insurance policy is customized based on your specific business operations. It includes a variety of different coverage options to ensure you are properly protected from all the major risks that are common for your industry. Whether you run a bar or restaurant, or offer lodging, Acera Insurance can help you find the best hospitality insurance quotes and coverage.

Here are some important coverages you should consider:

• Property Damage – provides protection for your company’s physical assets, such as buildings and contents like furniture or equipment. If these are damaged in an event that is covered by your insurance policy, your hospitality insurance will help cover the costs for repairs or replacements.
• Equipment Breakdown – dedicated coverage for your business’ most essential equipment. In the event heating or refrigeration systems breakdown, your policy will provide compensation related to the repair or replacement of this equipment.
• Commercial General Liability – also known as CGL insurance, this can cover legal expenses if someone has their property damaged or is injured while on your property.
• Business Interruption – also referred to as income interruption insurance. In the event you are required to shut down due to an insured claim or as part of a mandatory evacuation, this coverage will provide funds to cover essentials. In some cases, policies may also provide resources for temporary relocation.
• Cyber Liability – if you digitally store any customer information, this coverage offers financial protection for the costs associated with recovering from a cyberattack or data breach.
• Liquor Liability – this type of coverage can help provide protection in the event you are sued as the result of a liquor-related incident. It may be included in your commercial general liability policy or may need to be purchased separately.
• Special Events Liability – Includes third party property damage and bodily injury, medical payment, non-owned auto, food and beverage products, employees/volunteers, and cross liability protection. With some policies, it may be included as part of your CGL coverage or it may need to be purchased as add-on coverage.
• Event Cancellation – Helps recoup any financial losses which occurred due to event cancellation, postponement, interruption or another uncontrollable circumstance.

Each hospitality insurance company in Nova Scotia may offer slightly different coverage options. Your individual business needs will also vary based on your own operations. An Acera Insurance hospitality broker will be able to help you determine your risks and advise on what carrier options best match your business needs.  

Why work with an Acera hospitality insurance advisor in Nova Scotia?

Our local team has roots in the hospitality industry. In fact, our commercial executives have first-hand knowledge of the challenges owners in the industry face every day. Through this experience and expertise, we have been able to better understand and serve our clients. Our team knows what markets to approach when negotiating terms and can provide honest advice on the best coverage for your business. We act as your insurance partner. You can rely on us to find you the most cost-effective insurance solutions, so you can improve those tight margins and keep your operation running smoothly. The hospitality industry is not without risk, but those challenges can be made easier with the right insurance partner by your side.