Food & Hospitality

Hotel Insurance in Ontario

Thousands of stays a year. One coherent program.

Hotels concentrate exposure: guests sleeping in your building, food and often liquor service, pools and gyms, staff around the clock, and a property whose downtime is measured in lost room-nights.

We structure hotel programs across property, liability, and interruption — with innkeeper's liability for guest property built in.

What the package includes

Commercial property coverage for your premises and leasehold improvements
Commercial general liability (CGL) for third-party injury and property damage
Innkeepers' liability for guest property
Liquor liability for serving or selling alcohol
Business interruption to replace lost income after a covered loss
Equipment breakdown for essential machinery and systems
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

What is innkeepers' liability?: Coverage for guests' belongings lost or damaged while in your care — a hospitality-specific exposure with statutory roots. It's standard in a proper hotel program and absent from generic property packages.
How much does hotel insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get hotel insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Commercial property coverage for your premises and leasehold improvements

Commercial general liability (CGL) for third-party injury and property damage

Innkeepers' liability for guest property

Liquor liability for serving or selling alcohol

Business interruption to replace lost income after a covered loss

Equipment breakdown for essential machinery and systems

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

What is innkeepers' liability?

Coverage for guests' belongings lost or damaged while in your care — a hospitality-specific exposure with statutory roots. It's standard in a proper hotel program and absent from generic property packages.

How much does hotel insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get hotel insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.