Specialized Coverage for the Hospitality Industry
The hospitality industry faces risks that a standard business policy often overlooks. At Atlantic Insurance, we understand that a power outage or a single accident can disrupt your entire operation. We provide tailored packages that cover:
Liquor Liability
Essential for any establishment serving alcohol. This protects your business against claims arising from the service of alcohol, covering legal fees and settlements.
Food Spoilage & Contamination
If a refrigerator fails or a power outage strikes, your inventory is at risk. We provide coverage to reimburse the cost of lost stock and the expenses of professional cleaning if required.
Equipment Breakdown
Your ovens, walk-in freezers, and HVAC systems are the heart of your business. Our policies cover the repair or replacement of critical machinery when mechanical or electrical failure occurs.
Business Interruption
If a fire or flood forces you to close your doors temporarily, we help cover your lost income, rent, and payroll so you can reopen with confidence.
Solutions for Every Venue
- Restaurants & Pubs: Comprehensive liability and property protection.
- Cafes & Bakeries: Small business packages focused on fire risk and foot traffic.
- Bed & Breakfasts & Inns: Specialized coverage for overnight guests and residential-commercial hybrid properties.
- Special Events & Catering: Liability for off-site service and one-time events.
Why a Local Broker is Your Best Ingredient
National call centers don't know the local fire codes of Pictou County or the seasonal nature of the Northumberland Strait's tourism. We live here, we eat at your tables, and we understand your business environment.
We shop the market among Canada's top carriers to find you a policy that balances deep protection with a premium that respects your margins.