Hospitality Business Insurance For Niagara Region

Tailored Insurance Solutions for Hotels, Restaurants, and Attractions in the Niagara Region

In the vibrant hospitality industry of Niagara, your business faces unique challenges every day. From managing guest safety to protecting valuable property and equipment, the right insurance coverage isn't just necessary—it's the foundation of your business continuity strategy.

Get a Quote Now or call us: 1-800-565-8552

We Insure the Businesses That Make Niagara a Destination

Comprehensive Protection Tailored to Your Operation

The hospitality sector in Niagara faces distinct risks that require specialized coverage. Whether you operate a boutique hotel overlooking the Falls, a fine dining establishment, a family waterpark, or a thrilling zipline attraction, our customized insurance solutions address the specific challenges of your business.

Industry-Specific Coverage That Works

Our hospitality insurance packages are designed with your business model in mind

For Hotels and Accommodations

Building and property protection against fire, water damage, and natural disasters
Coverage for valuable furnishings, artwork, and specialized equipment
Liability protection for guest injuries on your premises
Business interruption coverage to maintain cash flow during unexpected closures

For Restaurants and Food Service

Food and product liability protection
Equipment breakdown coverage for critical kitchen systems
Host liquor liability insurance
Protection against foodborne illness claims

For Waterparks and Attractions

Specialized premises liability coverage for recreational facilities
Equipment breakdown for water treatment and safety systems
Coverage for unique structures and specialized equipment
Protection against weather-related business interruptions

Your Business Faces Unique Risks — Are You Covered?

Every day, your team works hard to provide exceptional service. But one unexpected incident can disrupt your business — or even shut it down.
Here are just a few risks common in your industry:

A guest slips and falls near your hotel pool
A kitchen fire damages your restaurant
Broken equipment causes injury at your attraction
A freezer failure spoils thousands of dollars in food inventory
A power outage shuts down your business during peak season
A cyberattack compromises your guest booking data

With the right insurance, you're not just protected — you're prepared.

Coverage That's Built for Your Business

Property Protection

Safeguard your physical assets—from buildings and furnishings to specialized equipment—against damage from fire, water, storms, and other covered perils.

Liability Coverage

Protect your business from financial loss if guests are injured on your premises or if their property is damaged while visiting your establishment.

Business Continuity Protection

If disaster strikes and forces a temporary closure, our business interruption coverage helps replace lost revenue and keeps your operation financially stable during recovery.

Equipment Breakdown Insurance

When critical systems fail—from HVAC and refrigeration to pool equipment and reservation systems—this coverage helps repair or replace damaged equipment and mitigates associated losses.

Cyber Liability Protection

With hospitality businesses collecting guest information and payment data daily, our cyber insurance protects against data breaches and provides recovery support if systems are compromised.

insurance broker going over insurance options with niagara business owners

Why Choose Us for Your Hospitality Insurance?

In-House Risk Management and Claims Expertise — Specialized for Hospitality Businesses

Our dedicated in-house Risk Management and Claims team specializes in the hospitality sector, providing proactive risk assessments, loss prevention strategies, and claims advocacy to help you minimize disruptions and recover quickly when incidents occur.

When incidents occur, having specialists who understand the unique dynamics of hotels, restaurants, and attractions makes all the difference. Our in-house team doesn't just process claims—they advocate for your business with insider knowledge from years of hospitality industry experience. You'll benefit from direct access to hospitality claims specialists, expedited processing to minimize business disruption, and personalized guidance throughout the entire claims process.

Over 100 Years of Insurance Expertise

Our insurance professionals understand the unique challenges facing Niagara's hotels, restaurants, and attractions. We've helped hundreds of Ontario business owners in hospitality and tourism protect what matters most.

Access to Top-Tier Canadian Carriers

We work with leading insurers to find the perfect coverage match for your business at competitive rates.

Fast, Honest Claims Support

When incidents occur, our responsive claims team works efficiently to resolve issues and minimize disruption to your business operations. We're there before, during, and after a claim.

Customized Risk Assessment

We thoroughly evaluate your operation to identify potential vulnerabilities and design coverage that addresses your actual needs, not generic solutions.

Let's Protect What You've Built

Whether you're launching a new business or reviewing your current coverage, we're here to help. The success of your hospitality business depends on providing exceptional experiences while managing numerous risks. The right insurance broker helps you focus on delighting your guests while providing the security of knowing you're protected against the unexpected.

Talk to a broker who understands hospitality & tourism insurance in the Niagara Region

Get a Quote Now or call us: 1-800-565-8552

niagara business owner shaking hands with insurance broker for hospitality insurance

Frequently Asked Questions

What types of hospitality businesses do you insure?

We insure hotels, motels, restaurants, cafes, bars, attractions, event venues, waterparks, and other tourism-focused businesses across the Niagara Region.

Why is specialized hospitality insurance important?

Hospitality businesses face unique risks like guest injuries, equipment failure, and weather disruptions. Generic policies may not cover these scenarios fully—specialized insurance ensures you're properly protected.

What does hospitality insurance typically cover?

Typical coverage includes property protection, liability insurance, business interruption, equipment breakdown, cyber liability, and industry-specific add-ons like liquor or food safety coverage.

Do you offer insurance for seasonal or part-time operations?

Yes, we offer flexible insurance for seasonal businesses such as attractions and waterfront restaurants. Coverage can be tailored to your operating schedule and specific risks.

What kind of claims support do you provide?

Our in-house claims team specializes in hospitality risks and offers dedicated support, quick processing, and industry expertise to help minimize downtime and disruption.

Can I bundle all my coverage under one policy?

Absolutely. We can bundle commercial property, general liability, cyber, equipment breakdown, and business interruption coverage into one comprehensive hospitality insurance package.

What are common risks for Niagara hospitality businesses?

Common risks include guest injuries, kitchen fires, spoiled food due to outages, weather-related closures, equipment breakdown, and cyberattacks affecting booking systems.

Do I need cyber insurance for a small hospitality business?

Yes. If you collect guest data, take online bookings, or offer Wi-Fi, cyber insurance helps protect against breaches, ransomware, and associated legal or recovery costs.

Can I insure multiple locations under one policy?

Yes, we can consolidate multiple business locations into one policy, simplifying your coverage and often reducing your premium.

Who needs hospitality insurance?

Any business that provides lodging, food service, entertainment, or attractions to the public should have hospitality insurance. This includes hotels, restaurants, bars, cafes, resorts, bed & breakfasts, event venues, and tourism-related attractions—especially in high-traffic regions like Niagara.

Protect Your Hospitality Business in the Niagara Region