SMI Hospitality Scene

What's Yoursurance
for your restaurant and hospitality business?

When you work in hospitality we know that pleasing your guests comes in as your first priority. Let us find the best insurance that puts you and your needs first.

Switching is easier than you think, and the right insurance is really affordable.

The restaurant and hospitality insurance basics.

How do I decide on what to protect with my restaurant and hospitality business?

At Stewart Morrison Insurance, our hospitality insurance experts will review your needs and recommend the right coverage to protect your assets:

You can customize your restaurant and hospitality insurance based on the features of your business. If you have a restaurant, hotel or resort, bar, or catering company then you will need more than just a general business policy.

Yoursurance: What you should protect for your restaurant and hospitality business


Coverage for loss or damage to your buildings as a result fire, wind, water, theft and other unexpected incidences.

Stock, Equipment & Contents

Protecting your company assets against damage, loss and theft of your property like POS systems, computers, furniture, and inventory.

Commercial Liability

Coverage to protect your business against claims made by others for bodily injury and property damage, products, services and advertising that arise from your business operations

Commercial Auto

Coverage for you and your employee drivers for liability, and your vehicle for damages, should an accident occur during business use.

Cyber Risk

Designed to help in recovery of retail software containing customer data, and lawsuits associated with breach of information.


Coverage for financial loss of currency or inventory from employee dishonesty, inside or outside robbery, fraud and forgery.


Extending coverage to offsite events, protecting you in the event of a claim.

Food Spoilage

Protection of perishable stock that has spoiled due to a power outage, breakdown, or contamination.

Loss of Income

Coverage for replacing lost income as a result of interruption of your regular business operations due to a loss, or claim.

Liquor Liability

A specific coverage you need due to the exposure you face selling and serving alcoholic beverages to your guests.