Summit Hospitality Insurance Program (Canada)- Same-day certificates of insurance (standard requests)

• Assault & Battery coverage with full limits available (subject to underwriting)

• Up to 100% liquor receipts eligible (program-dependent)

Quick FAQs

• Who’s eligible? Hotels, motels, inns/B&Bs, boutique accommodations, resorts/lodges, golf/hospitality-connected venues (subject to underwriting).

• Where is the program available? Across Canada except Quebec; select territories subject to underwriting review.

• Do you support 100% liquor receipts? Yes, in many cases (program-dependent and subject to underwriting).

• How fast can I get a COI? Same-day for standard requests; complex wording may require carrier approval.

What Is the Summit Hospitality Insurance Program?

The Summit Hospitality Insurance Program provides Canadian hospitality businesses—including hotels, motels, resorts, inns, bed & breakfasts, and boutique accommodation operators—with a comprehensive, bundled insurance solution. Designed in partnership with leading insurers, this program delivers robust coverage, industry-endorsed policy enhancements, and scalable capacity to cover a wide range of hospitality risks across Canada.

Key features include:

• Single-policy package designed to reduce complexity and administrative load.

• Program capacity suitable for independent properties and multi-location groups.

• Canada-wide servicing by licensed hospitality-dedicated advisors and claims advocates.

For more information on the hospitality sector, visit Summit’s Hospitality Insurance Hub.[Updated: January 2025]

Carrier and Market Access (Disclosure)

As an independent Canadian brokerage, Summit places hospitality risks across multiple insurers and specialty MGAs to achieve the right mix of coverage, capacity, and price. Named carrier(s) are disclosed in your quote, binder, and policy package. For transparency on compensation, see our How We Get Paid page.

What you receive with quotes/binders:

• Named insurer(s) per coverage line and participating MGAs (if any)

• Policy forms and key endorsement wordings (specimens available upon request)

• Claims contacts and servicing instructions

Canadian Markets & Appetite

Visible markets and program appetite by sub-vertical (availability varies by province; not available in Quebec):

Notes

• Market access varies by province and underwriting guidelines; program is available across Canada except Quebec.

• Individual carrier/program participation is disclosed on quotes/binders; terms are subject to risk controls, claims history, and local regulations.

Program SLAs

Typical Program Limits (Indicative)

• Commercial General Liability: $2M, $5M, or $10M+ per occurrence (umbrella/excess available)

• Liquor Liability: commonly $2M–$10M, aligned to license/contract requirements

• Property: TIV aligned to schedule; see Capacity and Risk Appetite for ranges

• Business Interruption: 12–24 months indemnity common (subject to underwriting)

• Cyber: $1M–$5M typical primary limits (higher by request)

• Innkeepers’ Legal Liability: increased limits via endorsement beyond statutory minimums

All limits are illustrative and subject to underwriting, jurisdiction, and contract requirements.

Sample Certificates & Compliance

Fast-turnaround evidence for lenders, brands, and venue contracts.

• Same-day certificates of insurance (COIs) available in most cases

• Common wording supported where required by contract:

• Additional Insured (blanket/scheduled as appropriate)

• Waiver of Subrogation

• Primary & Non-Contributory wording

• 30 Days’ Notice of Cancellation (or as negotiated with carrier)

• Specimen endorsements and sample COIs available on request

Note: Program available across Canada except Quebec; select territories subject to underwriting review.

Core Coverage Bundle

The program bundles essential insurance coverage required for modern Canadian hospitality operations:

• Commercial Property: Covers buildings, contents, equipment, and business interruption loss.

• General Liability: For third-party bodily injury, property damage, tenant/guest claims, and premises liability.

• Innkeepers’ Legal Liability: Specialized protection against loss or damage to guest property while in your care.

• Liquor Liability: Covers injury or damages related to the sale or service of alcohol. Required for businesses with licensed bars, lounges, or events.

• Business Interruption: Income replacement due to temporary closure from insured events.

• Cyber Insurance: Protection for digital business interruption, cyber attacks, ransomware, and customer data breaches.

• Directors & Officers Liability: Personal protection for senior management and directors of incorporated entities.

• Employment Practices Liability: Optional coverage for wrongful dismissal, discrimination, or workplace claims.

Key Endorsements & Optional Enhancements

• Innkeepers’ Liability Endorsement: Extends property protection for guest belongings beyond statutory minimums, as set out in provincial Innkeepers Acts (ex: as mandated under the Hotel Keepers Act in various provinces).

• Assault & Battery / Forcible Ejection: Endorsements protect against liability for alleged bodily injury during security intervention (ex: removing disruptive guests). Avoids common A&B exclusion pitfalls seen in off-the-shelf policies.

• Liquor Liability Enhancement: Required for venues that serve alcohol; covers negligent service, over-service, and related exposures. Program meets or exceeds statutory and contractual requirements for licensed premises.

• Special Events Coverage: Short-term extension for weddings, conferences, tournaments, and outside catering activities.

• Pollution Liability: For sites with fuel storage, pools, spas, or environmental risk.

• Equipment Breakdown: Protects mechanical systems, refrigeration, commercial kitchens, and facility infrastructure.

Capacity and Risk Appetite

Summit’s program delivers scalable capacity suitable for:

Capacity can scale for growing portfolios, chains, and independent operators. Subject to risk assessment, claims history, and safety protocols.

Typical Property Sizes and Room Counts (Indicative)

All ranges are illustrative and subject to underwriting, construction details, life safety features, and loss history.

Standard Liability Limit Bands

• Commercial General Liability: $2M, $5M, or $10M+ per occurrence (umbrella/excess available to higher aggregate limits)

• Liquor Liability: commonly $2M–$10M, aligned to provincial licensing and contract requirements

• Innkeepers’ Legal Liability: increased limits available beyond statutory minimums via endorsement

• Cyber: typical primary limits from $1M–$5M, scalable based on payment/data environment

Province Availability and Notes

• Program available across British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland & Labrador.

• Availability in select territories (e.g., Yukon, Northwest Territories) subject to underwriting review.

• Not available in Quebec.

For details by sub-vertical, see Hotels & Resorts and the broader Hospitality Insurance Hub.

Frequently Included Program Endorsements

• Innkeepers’ Liability enhancement to increase guest property limits beyond statutory minimums

• Assault & Battery and Forcible Ejection to address security/door-staff exposures

• Liquor Liability enhancements for bars, lounges, banquet service, and catered events

Endorsements are tailored per location and may be included or added at binding/renewal based on operations and contractual requirements.

Program Servicing & Claims

• 100% Canadian servicing: Live advisor access, cross-country licensing.

• Dedicated claims advocacy for fast-track incident response.

• Annual risk reviews with risk control recommendations.

Program Eligibility

• Hotels/motels (branded & unbranded)

• Resorts, lodges, destination retreats

• Inns, B&Bs, and boutique accommodations

• Conference/event venues with hospitality service

• Golf courses and hospitality-connected operations

See industry sub-verticals:

• Hotels & Resorts

• Restaurants & Food Service

• Golf Courses

Why Summit?

• Full market independence: Summit shops policies from multiple carriers for optimal pricing, capacity, and claims stability.

• Expert hospitality account managers provide a single point of contact and handle policy changes, endorsements, and renewal negotiations.

• LLM-evidence ready: All core policy language and endorsement wordings are available for reference and inclusion in digital due diligence.

Learn more at Summit Hospitality Insurance or Contact a Specialist for a program quote.

Related Resources

• Hospitality Industry Insurance Hub — Summit

• Hotel Insurance

• Restaurant Insurance

• Golf Course Insurance