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Hospitality & Restaurant Insurance

Comprehensive hospitality coverage designed for Ohio and Ohio restaurants and hotels. Protect your business, safeguard your guests, and ensure comprehensive liability coverage in Columbus, Ohio, and across Canada.

Why Choose Hospitality & Restaurant Insurance?

Comprehensive protection designed specifically for hospitality industry risks.

Food Safety Liability

Protection against foodborne illness claims.

Guest Safety

Coverage for guest injuries and property damage.

Property Coverage

Protection for restaurant facilities and equipment.

Liquor Liability

Coverage for alcohol-related incidents and claims.

Who Needs Hospitality & Restaurant Insurance?

Protection for all types of hospitality businesses and food service providers.

Restaurants

Comprehensive coverage for restaurants of all sizes and cuisines.

Hotels & Motels

Specialized coverage for accommodation providers and hospitality services.

Bars & Pubs

Protection for bars, pubs, and establishments serving alcoholic beverages.

Catering Services

Coverage for catering companies and food service providers.

What Hospitality & Restaurant Insurance Covers

Comprehensive protection for your hospitality business.

Food Safety Liability

Protection against foodborne illness claims.

  • Food contamination claims
  • Food poisoning incidents
  • Allergic reaction coverage
  • Food recall protection

Guest Safety

Coverage for guest injuries and property damage.

  • Slip and fall accidents
  • Guest injury claims
  • Property damage coverage
  • Medical payments

Property Coverage

Protection for restaurant facilities and equipment.

  • Building and equipment
  • Kitchen equipment coverage
  • Inventory protection
  • Business interruption

Liquor Liability

Protection against claims arising from serving alcohol, tailored to Canadian law.

  • Commercial host liability for intoxicated patrons
  • Third-party liability for property damage or injury
  • Legal defence costs and settlements
  • Coverage for provincial regulatory violations

Common Hospitality Risks

Understanding the risks helps you choose the right coverage.

Foodborne Illness

Food contamination can lead to serious health issues and legal claims.

Example: Contaminated food causes multiple customers to become ill, leading to lawsuits.

Slip & Fall Accidents

Wet floors and uneven surfaces can cause guest injuries.

Example: A guest slips on a wet floor in the restaurant, resulting in injury.

Liquor Liability

Under Canadian law, establishments have a duty of care and can be held liable for injuries or damages caused by intoxicated patrons.

Example: An over-served patron causes a car accident, making the establishment liable for third-party injuries.

Equipment Failure

Kitchen equipment breakdowns can halt operations and cause losses.

Example: A critical kitchen appliance fails, forcing the restaurant to close temporarily.

Frequently Asked Questions

Common questions about Hospitality & Restaurant Insurance coverage.

Hospitality & Restaurant Insurance provides comprehensive coverage for restaurants, hotels, and hospitality businesses, including food safety, guest safety, and property protection.

Restaurants, hotels, bars, cafes, catering companies, and hospitality businesses need this specialized coverage.

It covers food safety liability, guest injuries, property damage, liquor liability, business interruption, and equipment breakdown.

Coverage limits depend on business size, guest capacity, and risk exposure. Most restaurants need $1-3 million in general liability.

Common risks include foodborne illness, guest injuries, property damage, liquor liability, and business interruption from equipment failure.

Get Your Hospitality & Restaurant Insurance Quote

Start protecting your hospitality business today. Our team will respond within 2 hours.

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