Protect your guest experience
Whether serving meals, hosting overnight stays or running large events, hospitality businesses face a distinct and constantly evolving range of risks. Navacord combines deep hospitality expertise, current market knowledge and strong insurer relationships to develop tailored insurance and risk management solutions that protect your guests, operations, reputation and bottom line.
Proactive risk management
Shield your operations from daily exposures
Unpredictable guest behaviour, physical property damage, and evolving privacy regulations create continuous pressure for venue operators. Instead of waiting for costly disruptions, our experienced advisors evaluate your entire operation to identify vulnerabilities and prevent losses before they happen.
Claims & business continuity
Keep your doors open through the unexpected
As one of Canada’s largest commercial brokerages, Navacord leverages strong insurer relationships to negotiate comprehensive coverage that protects your investment. When property damage, equipment failure, or liability claims threaten your day-to-day operations, our in-house claims advocacy team steps in on your behalf. We manage carrier communications, streamline the claims process, and work to minimize downtime so you can get back to business.
Who we help
Built for a diverse clientele across the hospitality and entertainment sectors, our custom insurance programs address the operational exposures of every service model. From high-traffic venues to mobile operations and seasonal attractions, we align adaptive coverage directly with your unique risk profile.
Dining and quick-service operations facing kitchen fire hazards, equipment breakdown, food spoilage, and slip-and-fall exposures.
High-volume social venues requiring tailored solutions for liquor liability, forcible ejection liability, third-party nuisance claims, and the unique exposures associated with late-night operations. Coverage availability and terms vary by insurer and operation.
Full-service accommodations balancing guest amenities, extensive physical property, and sensitive booking privacy.
Bed and breakfasts, inns, and specialty retreats with unique exposures related to heritage buildings, mixed commercial and residential occupancy, seasonal operations, and guest property.
Mobile culinary operations, caterers, and takeaway food providers managing commercial equipment in transit, off-site cooking setups, and multi-location risks.
Large-scale temporary event setups, high-density crowds, specialized grounds or turf, and event interruption risks.
Our hospitality insurance expertise
Navacord advisors leverage extensive industry experience and strong underwriter relationships to deliver tailored protection and hands-on guidance for venue operators.
Rising construction costs, labour shortages, and extended rebuild timelines can leave hotels, resorts, and hospitality venues exposed after a major loss. We help clients evaluate property values and business interruption limits so coverage better aligns with the time and cost required to recover and reopen.
Specialized oversight addressing 24-hour guest exposure, amenities, common areas, and the care of guest property across hospitality operations.
Targeted risk solutions addressing commercial kitchen fire hazards, foodborne health incidents, and patron injuries.
Customized policy structures designed for high-exposure social environments serving alcohol to the public.
Physical asset protection for high-value commercial kitchens, gaming or sports equipment, and venue structures.
Beyond safety audits, we help hospitality businesses evaluate property values, analyze loss trends, review fire and life-safety controls, assess cyber exposures, and develop business continuity plans.
Core coverages built for hospitality
Industry-aligned protection
Hospitality operations face complex exposures that standard commercial policies miss. Navacord structures essential coverages into a cohesive program, addressing your specific operational risks and bridging critical policy gaps before a claim occurs.
- Commercial general liability (CGL)
Commercial general liability (CGL)
Defends your business against third-party bodily injury, property damage claims, and innkeeper liability for guest property.
- Commercial property
Commercial property
Covers physical buildings, contents, commercial kitchen equipment, inventory, and outdoor assets against insured perils.
Flood, sewer backup & earthquake
Protects buildings, contents, equipment and inventory from catastrophic water damage and other natural hazards that may not be covered under standard property policies.
Crime & employee dishonesty
Helps protect against losses resulting from theft, fraud, forgery, employee dishonesty, and other criminal acts affecting cash, inventory or business assets.
Social engineering & funds transfer fraud
Provides protection against financial losses caused by fraudulent instructions, impersonation schemes, phishing attacks and unauthorized fund transfers.
Utility interruption
May help cover spoilage, lost revenue and certain extra expenses when a prolonged interruption of power, water, telecommunications or other essential services disrupts operations.
Contingent business interruption
Can help address income losses resulting from disruptions affecting key suppliers, service providers or other business partners that your operation depends on.
Liquor liability
Provides protection against third-party claims arising from the service or consumption of alcohol. Coverage may be included within your commercial liability program or tailored through specialized policy terms depending on your operation and insurer.
- Business interruption
Business interruption
Covers the loss of insured income and continuing expenses expenses if an insured property loss forces a temporary shutdown.
Learn from our hospitality insurance experts
Hotels, restaurants, resorts, and entertainment venues operate in an environment where a single event can impact guests, revenue, reputation, and operations all at once. That's why we focus on more than transferring risk. We help clients understand emerging exposures, improve risk quality, and build coverage programs that can respond when their business needs it most.
FAQs for hospitality insurance
Standard commercial general liability policies typically exclude or restrict alcohol-related incidents. Liquor liability fills this gap by defending against lawsuits stemming from patron intoxication.
Hospitality venues store high volumes of payment data and booking records. Cyber liability covers customer notification costs, legal fees, forensic investigations, and system recovery if your point-of-sale or booking systems are breached.
If an insured event forces a temporary shutdown, business interruption reimburses lost revenue, operating expenses, payroll, and relocation costs while you rebuild or repair.
Operational audits and safety protocols reduce your overall hazard profile, making your business far more attractive to underwriters. This helps control long-term premium rates and prevents costly out-of-pocket claims.
Hospitality insurance may include innkeeper liability coverage for claims involving guest property. Coverage typically applies where the business has a legal responsibility for the loss or damage and is subject to the specific terms and limits of the policy.
