Hospitality

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The hospitality industry encompasses a wide spectrum of service-related businesses – from hotels, restaurants and cafes to casinos and theme parks.

For an industry that focuses on pleasure and enjoyment, there are a high number of risks that can result in claims.

Lawrie Insurance Group can help you develop pre- and post-loss strategies to reduce your exposures. By reviewing safety issues, business interruption scenarios and employment practices, we can help you mitigate the impact of injuries and the related claims and costs.

Insurance solutions that strengthen your business

  • Business interruption
  • Employer’s liability
  • Employment practices
  • Equipment breakdown
  • General liability
  • Property insurance
  • Umbrella & excess
  • Workers’ compensation

Looking for a holistic solution for all of your hospitality protection needs?

You need our Retail Advantage.

Third-party liability coverage 

Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.

Direct compensation - property damage coverage

If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle. 

Uninsured automobile coverage

Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.

Accident benefits coverage

Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.

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