Hospitality and Lodging Insurance

Insurance to protect your business and your guests

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Whether you operate a restaurant (including take-out, drive-in, catering – with and without liquor), bed and breakfast, country inn, motel, hotel, or resorts and spas – you have a lot to think about. Protect your assets with specialized coverage from Aviva. Hospitality and lodging insurance is available exclusively through insurance brokers.

Choose the right coverage

Enjoy standard features and customize your policy to your specific needs

Hospitality

Aviva’s Hospitality insurance package delivers comprehensive, all-in-one protection specific to the hospitality industry. We've conducted in-depth research to identify the unique needs and potential risks facing the hospitality industry. When you have hospitality insurance from Aviva, you have coverage for:

Property

Coverage for your buildings (including upgrades), exterior glass, towers, renewable energy equipment, sewers and utilities above and below ground on your premises* and more.

  • contents coverage includes stock, electronic equipment (including laptops) on and off premises, and more
  • personal property of your customers and employees
  • landscaping including lawns, trees, shrubs or flowers
  • environmental upgrade
  • privacy breach expenses
  • automatic fire suppression system recharge expenses
  • business contents away from premises (eg at trade shows, exhibitions)
  • stock contamination and stock spoilage
  • infestation

Business income

Protection for your business income after a loss until your business returns to normal, including:

  • no dollar limit on loss of business income, extra expenses, or additional time due to by-law compliance
  • payroll expense
  • utilities service interruption
  • restricted access
  • negative publicity
  • contingent business interruption, in the event that your service provider suffers a loss, resulting in your inability to provide services
  • and more

Equipment breakdown

Protection for accidents to heating and refrigeration systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.

Coverage includes:

  • utility service interruption
  • computer equipment, data and media
  • ammonia contamination
  • fluid escape
  • hazardous substances
  • loss of income including fines and penalties, internet service, utility service interruption and restricted access

Crime

A broad range of coverages important to your hospitality business, including:

  • employee dishonesty
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery
  • client or customer property
  • medical expenses incurred from robbery

Liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments. Other features:

  • employers’ liability included for Canadian resident employees
  • discrimination, unless criminal or employment-related 
  • intentional justified property damage or bodily injury
  • false arrest, detention, imprisonment or malicious prosecution
  • liability for non-owned automobiles**

Add even more protection

  • employee benefits errors and omissions (E&O) liability
  • privacy breach E&O liability
  • commercial auto***
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss

*your premises includes the area within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m.

**not offered to food delivery operations

***commercial auto is offered on a separate policy

Lodging

Property

Coverage for your buildings (including upgrades), exterior glass, towers, renewable energy equipment, sewers and utilities above and below ground on your premises*, and more.

  • contents coverage includes electronic equipment (including laptops) on and off premises, personal property of your customers and employees and more
  • business signs
  • privacy breach expenses
  • landscaping including lawns, trees, shrubs or flowers
  • automatic fire suppression system recharge expenses
  • environmental upgrade
  • business contents away from premises
  • stock contamination and stock spoilage
  • infestation
  • personal property coverages available for lodging owners residing at the location

Business income

Protection for your business income after a loss until your business returns to normal, including:

  • no dollar limit on loss of business income, extra expenses, or additional time due to bylaw compliance
  • payroll expense 
  • contingent business interruption, if your supplier cannot provide your goods or services
  • utilities service interruption
  • restricted access
  • negative publicity
  • mortgage rate guarantee
  • and more

Equipment breakdown

Protection for accidents to heating and refrigeration systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.

Coverage includes:

  • utility service interruption
  • computer equipment, data and media
  • ammonia contamination
  • fluid escape
  • hazardous substances
  • loss of income including fines and penalties, internet service, utility service interruption and restricted access

Crime

A broad range of coverages important to lodging operations, including:

  • employee dishonesty
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery
  • client or customer property
  • medical expenses incurred from robbery

Liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments. Other coverages include:

  • employers’ liability for Canadian resident employees
  • discrimination, unless criminal or employment-related
  • wrongful eviction, wrongful entry or invasion of the right of private occupancy
  • intentional justified property damage or bodily injury
  • employee benefits errors and omissions (E&O) liability
  • business and personal liability coverage
  • liability for non-owned automobiles** 

Add even more protection

  • privacy breach errors and omissions liability
  • commercial auto***
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss

*your premises includes the area within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m.

**except for delivery in restaurant operations 

***commercial auto is offered on a separate policy

Insurance solutions you need

With Aviva Enterprise™ Hospitality and Lodging insurance, you'll get these advantages:

Hospitality insurance expertise

Experts who understand the unique needs and risks of a wide range of businesses within the hospitality and lodging sector

One comprehensive policy

In addition to what’s offered in our standard policies, this specialized package includes unique protection.

Convenient claims

One point of contact for all your claim needs.

Frequently asked questions

We answer your questions on automotive sales and services

Why do I need commercial property insurance for my business?

To keep your business operating you rely on having its physical assets protected, such as the building, equipment, inventory and stock, tools, contractor’s equipment, business income and rental income.  A commercial property insurance policy protects your assets from damage or destruction.

What is Commercial General Liability (CGL) insurance? Why do I need it for my business?

CGL insurance is designed to protect your business from being found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises involving visitors or customers, or at your customer’s location.  Standard coverage includes - Bodily injury and property damage liability, Personal injury liability, Medical payments and Tenant’s legal liability.  Every day your business is exposed to different liability hazards associated with the work you do.  No one thinks a claim or a lawsuit will be filed on their business until it happens. Having the right CGL policy for your business is one of the smartest decisions you can make to protect it.


What could happen if I don’t have the right coverage in place for my business?

Your business could be responsible for paying for claims or lawsuits on your own. These expenses could be in the form of damages to third parties, legal defense costs, replacement of uninsured property, among many others.  Depending on the nature of the loss, this could result in an unexpected expense for the business. Or in more severe cases, it could have a significant impact on the ability for your business to remain open.

Insurance brokers, the right choice for you

Get expert advice for your business insurance needs.