Summit Commercial Insurance Solutions
Industries/

Hospitality Insurance

Protecting food service businesses from kitchen to customer. Liability, property, and specialized coverage for restaurants, bars, and hospitality.

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The Challenges

Risks unique to hospitality.

Food Safety

Foodborne illness claims can devastate a hospitality business.

Liquor Liability

Serving alcohol creates significant liability exposure for injuries and incidents.

Staffing Risks

High turnover and diverse workforces create employment practices risks.

Property Hazards

Commercial kitchens face fire, water, and equipment breakdown risks.

Coverage

Coverage types for hospitality companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

General Liability
Liquor Liability
Property Insurance
Equipment Breakdown
Workers Compensation
Spoilage Coverage

Why Summit

Why hospitality companies choose Summit.

1

Deep hospitality industry expertise

2

Coverage for liquor and food service

3

Fast claims handling to minimize downtime

4

Risk management for food safety

Common Questions

Hospitality insurance FAQs.

Is liquor liability included in general liability?+
No. Liquor liability is typically a separate coverage required by provincial licensing. You must have it if you serve alcohol, and limits vary by province.
What is spoilage coverage?+
Spoilage coverage pays for inventory lost due to equipment breakdown or power outage. This is essential for restaurants with significant food inventory.
How does equipment breakdown coverage work?+
Equipment breakdown covers repair or replacement of commercial kitchen equipment from mechanical or electrical failure. Standard property policies often exclude these losses.
Do I need employment practices liability?+
EPLI covers claims from employees for wrongful termination, discrimination, and harassment. With high turnover and diverse workforces, hospitality businesses face elevated employment claims risk.

Built for growth. Backed by clarity.

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