Hospitality Insurance Tailored for Your Business
In the hospitality industry, no two businesses are the same—so your insurance shouldn’t be either. At Oegema, Nicholson & Associates Ottawa, we build custom insurance solutions that protect your property, staff, and guests with coverage designed specifically for hotels, restaurants, and everything in between.
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Reliable Hospitality Insurance
The singular focus of the hospitality industry is keeping customers happy. When something goes wrong, it can have a significant impact on your business.
Customizable hospitality insurance is crucial for restaurants, hotels, and bed-and-breakfasts. The knowledgeable team at Oegema, Nicholson can connect you with the right coverage so you can confidently focus on your guests knowing your business is protected.
What is Hospitality Insurance?
Whether you run a hotel, restaurant, cafe, food truck, or catering company, you pride yourself on offering a premium customer experience. But when something goes wrong, your business can suffer.
Businesses in the hospitality sector need a comprehensive, multi-tiered package that protects all aspects of business operations.
Most hospitality insurance is a customized package with multiple coverages designed for the unique needs of these types of businesses.
From general liability coverage to commercial property insurance, experienced insurance brokers like Oegema, Nicholson can ensure you have the coverage you need without overpaying your monthly premiums.
What Types of Hospitality Insurance Coverage is Available?
Your package customized package should include general liability coverage, to protect guests and property from injury and damage, and commercial property coverage to protect against theft, fire, and vandalism.
But the industry coverage needs don’t end there. Your policy package should also include:
Business Contents
Coverage
Business contents coverage is a unique type of commercial insurance that specifically protects the physical items in your hospitality business, including furniture, kitchen equipment, and inventory.
With business contents coverage, the cost to repair or replace your business contents is covered.
Business Interruption Coverage
Every operation should have business interruption coverage, also known as business income insurance.
At any time, something can happen that prevents you from running your business. Whether you experience a fire or a weather event that shuts the doors, business interruption coverage can ensure that your business stays financially stable while you recover.
Host Liquor
Liability
Host liquor liability is another type of insurance vital to hospitality business.
This insurance protects your business in case someone is injured or causes injury while on your property after consuming alcohol. This insurance is required for all properties that provide alcohol, and is usually strongly recommended for hospitality businesses like hotels that can’t control what is consumed in the rooms themselves.
Be sure to ask the insurance experts here at Oegema, Nicholson about add-ons like replacement cost coverage, flood protection, and consequential loss coverage.
Do I need to insure my workers?
Worker’s compensation is beneficial if you have staff that could be injured on the job. No matter how careful you may be, accidents can still happen. This type of coverage provides wage replacement and medical benefits to those who are injured while working. Unlike general liability insurance, the employee must give up his rights to sue the employer for the incident. Worker’s compensation is mandatory for all businesses in Canada. However, Canadian employers must purchase this insurance from their local worker’s compensation board. In Ontario, this would be the WSIB and in Quebec the CNESST. Penalties for non-compliance can be severe. Speak to an insurance expert at Oegema, Nicholson & Associates to determine whether additional coverage is required to keep your employees safe.
Why Trust Oegema, Nicholson & Associates for Hospitality Insurance?
Your guests choose your business to rest, relax, eat, and play. While you can’t always avoid the messiness of life, hospitality insurance can keep things running smoothly and your visitors happy.
At Oegema, Nicholson & Associates we have the experience to deliver a comprehensive policy that addresses the unique risk inherent in your hospitality business and closes any gaps in your overall protection plan.
Have peace of mind knowing your property and patrons are well taken care of in the event of an accident or emergency.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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