Protecting Your Hospitality Business,

Every Step of the Way

WE DO THINGS DIFFERENTLY

We Understand the Risks You Face in the Hospitality Industry!

We know that even one unexpected incident—a fire in the kitchen, a guest injury, or a cyberattack—can disrupt operations and damage your reputation.

That’s why we’re here to help.

Our hospitality insurance solutions are designed to cover everything from property damage and liability claims to business interruptions, so you can focus on running your business with peace of mind.

Comprehensive insurance solutions designed for hotels, restaurants, and resorts to safeguard your operations, your guests, and your reputation.

Tailored Insurance for Hospitality: Protect, Manage, and Thrive

  • Tailored Coverage Plans
    We create customized insurance solutions specifically for hotels, resorts, restaurants, and event venues, ensuring your unique risks are covered.

  • Comprehensive Protection
    From property damage to liability and guest injuries, our policies protect your business from every angle.

  • Business Interruption Coverage
    If an unexpected event halts your operations, our insurance ensures you’re compensated for lost revenue, helping you get back on your feet quickly.

  • Cybersecurity and Data Protection
    Protect sensitive guest information with coverage against data breaches and cyberattacks.

  • Expert Claims Support
    Our dedicated claims specialists ensure your claims are processed quickly and efficiently, minimizing downtime and disruptions to your business.

  • Risk Management Advice
    We don’t just provide coverage; we help you proactively manage risks with expert advice to minimize potential issues before they arise.

  • Flexible Payment Options
    We offer flexible plans and payment options to suit your business’s cash flow, making it easier to stay protected without financial stress.

Tailored Insurance for Hospitality: Protect, Manage, and Thrive

Insurance Designed to Cover Every Corner of Your Hospitality Business

Property and Equipment Insurance

Safeguard your physical assets—buildings, kitchens, furnishings, and equipment—against damage from accidents, fires, natural disasters, or theft. With this coverage, you can focus on running your business, knowing your investments are secure.

General Liability

Insurance

We provide coverage for accidents that could lead to guest injuries, employee accidents, or damage to third-party property. From slip-and-fall incidents to equipment-related injuries, your business is protected against costly claims.

Business Interruption Coverage

Unexpected events, like fires or floods, can disrupt your business. Our Business Interruption Coverage ensures that you’re compensated for lost income, helping you maintain financial stability while you recover and reopen.

Cybersecurity and Data Breach Protection

Protect your sensitive guest data from the growing threat of cyberattacks. Our coverage helps cover the costs associated with data breaches, including recovery, legal fees, and reputation management, so your business stays resilient in the digital age.

Liquor Liability

Insurance

For hotels, restaurants, or bars that serve alcohol, our Liquor Liability Insurance provides coverage for claims related to intoxicated patrons. Whether it’s property damage, injuries, or legal fees, we ensure your business is protected.

Workers' Compensation Insurance

Provide your employees with peace of mind by covering medical expenses and lost wages in case of work-related injuries or illnesses. Our Workers' Compensation ensures your staff is cared for while protecting your business from costly lawsuits.

STILL NOT SURE?

Frequently Asked Questions

We are always happy to answer any questions you have, don't hesitate to get in touch!

1. What types of insurance does my restaurant need?

At a minimum, restaurants typically need General Liability Insurance to protect against accidents like guest injuries, Property Insurance to cover damage to your building and equipment, and Business Interruption Coverage in case of unexpected closures. Depending on your operations, you may also need Liquor Liability Insurance and Workers' Compensation for your staff.

2. Does insurance cover foodborne illness claims?

Yes, General Liability Insurance can help cover legal costs if a customer claims they were harmed due to a foodborne illness from your restaurant. Having this coverage is crucial to protect your business from lawsuits related to contamination or improper food handling.

3. How does Business Interruption Coverage work for restaurants?

If your restaurant is forced to close temporarily due to an unexpected event like a fire, flood, or another covered incident, Business Interruption Coverage compensates for lost revenue. It can also help cover ongoing expenses, such as rent, utilities, and employee wages, during the closure period.

4. Does insurance cover alcohol-related incidents?

Yes, if your restaurant serves alcohol, Liquor Liability Insurance protects you from claims related to alcohol-related incidents, such as intoxicated patrons causing property damage or injury. This type of coverage is essential for any restaurant serving alcohol, whether it’s a bar, pub, or fine dining establishment.

Simmons Insurance

142 - 757 West Hastings Street, Vancouver, BC,

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