We understand that no two hospitality businesses are the same. That’s why we customize each insurance package to suit the client’s operations, location, clientele, and risk profile. Whether your client operates a high-end bistro or a boutique winery, our expert team will help you place coverage that aligns with their specific exposures and service expectations.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Upscale and fine dining establishments
- Winery and distillery operations with on-site tasting rooms
- Hospitality businesses offering premium food and beverage services
We are especially competitive for accounts that emphasize quality, safety, and operational excellence. Businesses with liquor sales, private dining areas, or seasonal fluctuations are all considered.
Coverage Highlights and Advantages
Fine Dining Restaurant Program Features:
- Business Improvement Protection Recommendations
- Claims Support Available 24/7
- Flexible Payment Options
- Actual Loss Sustained Business Income Coverage
- Liquor Liability Limits Available up to $5,000,000
- $25,000 Crime Coverage
- Equipment Breakdown Coverage Including Spoiled Food
- Cloak Room Coverage
- Timely, Informative Industry Newsletters
- Exceptional Professional Service from Our Expert Team
Exclusive Optional Coverages:
- Extended Business Interruption, including Food Poisoning and Infectious Disease
- Special Event Coverage
Attractive Premium Credits:
- Credits based on Building Age and Sprinkler Systems
- New Business Claims-Free Credit
- Save up to 30% by Adding Premium Options
Winery & Distillery Program Includes:
- Tank Rupture
- Product Recall
- Peak Season Adjustments
- Change in Flavor
- Host Liquor Liability
- Spoilage and Consequential Loss
- Pollution Coverage
- Liability Limits up to $20,000,000
Underwriting Notes
We offer customized underwriting for each operation. Our team evaluates each risk individually to ensure the best-fit coverage and pricing. While there is no stated minimum premium, we aim to deliver cost-efficient solutions that reflect the value of the coverage and service provided.
Territories and Availability
This program is available throughout Ontario, Canada. We focus on regional expertise, allowing us to tailor solutions in line with provincial regulations and industry standards.
Why Work With Dan Lawrie Insurance Brokers?
Dan Lawrie Insurance Brokers is a trusted general agency with deep experience in the hospitality sector. Our dedicated team understands the nuances of restaurant and winery operations and delivers responsive, knowledgeable service throughout the policy lifecycle. We help agents and brokers differentiate themselves by offering a unique program that combines industry-specific coverage with flexible underwriting and attractive pricing options.
Join the many brokers who have already placed business through our Restaurant Insurance Program. Let Dan Lawrie Insurance Brokers help you deliver exceptional coverage and value to your hospitality clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Our program is ideal for fine dining restaurants, wineries, and distilleries in Ontario that focus on high-quality service and may have liquor sales, seasonal events, or unique operational risks.
Can I access coverage for clients who host special events or tastings?
Yes, optional coverage for special events, food poisoning, and infectious disease-related interruptions is available, making it suitable for operations with frequent public interaction.
What are the liquor liability limits available?
We offer liquor liability coverage with limits up to $5,000,000 for restaurants and up to $20,000,000 for wineries and distilleries.
Is this program available outside of Ontario?
Currently, this program is focused on Ontario, Canada. Please contact us to discuss availability or options for clients in other provinces.
Do you provide assistance with coverage comparisons?
Yes, our experts will compare coverages and pricing to ensure your client receives the best protection for their business needs.
Need help placing an account? Connect with a market specialist.