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To
discuss your Restaurant & Hospitality Insurance please
contact Mark Holman or
Christopher Holman at
905-886-5630 or toll free
at 1-800-567-1279.
Restaurants
and the Hospitality industry rely on Holman Insurance Brokers
Ltd. to manage risks unique to this industry. Our experienced
brokers have expertise and understanding of these risks and can
provide coverage for:
-
Family-style restaurants
-
Fast food chains and franchises
-
Fine dining establishments
-
Dining Theaters
-
Night clubs and Private Clubs
- Taverns,
Bars, Lounges and Cafés
- Adult
Entertainment
- Billiard
Halls, licensed and unlicensed
- Hotels
- Legion
Halls
- Taverns
- Unlicensed
Restaurants such as Cafés, Coffee/Donut Shops and Bakery/Pastry
Shops
Premiums are based on:
Building construction material i.e.: age and
history
- Risk
location
- Fire
protection
- Burglary
protection
- Occupancy
class
- Gross
receipts and seating capacity
- Past
claims experience
- Limits
and values
- Deductible
amounts
Many
of our clients participate in Risk Management programs and have
strict House Alcohol Policies.
A
risk management program could include:
1. Provide and maintain training for all serving staff through
Smart Serve and/or any other approved program.
2. Establish written procedures for the sale of alcohol to be
followed by all staff, reinforce and support staff.
3. Maintain an activity log to record possible incidents.
A
Sample House Alcohol policy could include:
1. Monitoring the door - Entrance / exit / first point of service
- ID verified where appropriate, service denied to rowdy or intoxicated
guests, control access to avoid overcrowding.
2. Provide a food menu to encourage consumption of food.
3. Offer low cost non-alcoholic beverages
4. Encourage designated drivers
5. Post notices to inform guests of the house rules
6. Maintain stairs, floors free of debris.
7. Refuse service to intoxicated guests.
In
addition, Holman Insurance Brokers Ltd. can provide the following:
Risk
Consulting - Services we provide that are specifically designed
for restaurants include identifying slip and fall hazards.
Fire
Protection and Security - We make can make recommendations
regarding fire protection, fire suppression and security systems
to help restaurants comply with insurance company requirements.
Specialty Property Coverage — Our property programs provide
coverage for exposures such as loss of customers' personal property,
coat checks and food spoilage caused by a mechanical breakdown.
General Liability Coverage Extensions — We offer several
important liability coverage extensions, such as medical payments
coverage for customer injury or illness.
Liquor Liability — We offer liquor liability programs that
provide coverage for bodily injury or property damage resulting
from manufacturing, selling or distributing alcoholic beverages.
Commercial Automobile Liability — Primary valet parking coverage
is available to cover bodily injury and property damage.
Holman Insurance Brokers Ltd. can offer
a full range of coverage's for all licensed establishments regardless
of the gross receipt split; up to and including 100% liquor sales.
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