Restaurants, bars, hotels, and event venues carry exposures that generic commercial policies consistently underserve. Liquor liability alone requires a dedicated approach. Cherry places hospitality coverage built around how your operation actually runs.
If a guest becomes intoxicated at your establishment and subsequently injures themselves or a third party, you may be held liable as the licensee who served them. Liquor liability coverage (also called host liquor liability) protects licensees from these claims.
Building coverage, leasehold improvements, kitchen equipment, furniture, fixtures, signage, and point-of-sale systems. Cherry will work with you to ensure your policy carries the limits it needs.
Business interruption coverage can replace the revenue you're not generating after an insured loss.
Bodily injury and property damage for customer slip-and-falls, kitchen incidents, and general operational liability.
Equipment breakdown coverage protects your business when critical systems fail, walk-in coolers, HVAC, kitchen appliances, elevators. Standard property policies exclude these internal failures, yet a single breakdown can spoil inventory and force closure during peak hours. This coverage pays to repair or replace the equipment and recover the income lost while you are down.
Weddings, festivals, private events, and off-site catering all create liability exposures outside your regular operation. Cherry places special events coverage for one-off occasions or blanket event endorsements for regularly scheduled programming.
Restaurants, bars, hotels, and licensed venues each carry exposures a generic commercial policy can miss. Cherry brokers take the time to understand your operation and place coverage around how you actually run.
Yes. Licensees are exposed to claims if a guest becomes intoxicated at their establishment and causes harm to themselves or others. Liquor liability coverage is strongly recommended for any licensed premise.
Business interruption coverage replaces your lost revenue if a covered loss - fire, flood, major equipment failure - forces you to close temporarily. It can also cover ongoing fixed expenses like rent and payroll during the closure period.
It should - but standard commercial property policies need to be reviewed to make sure walk-in coolers, commercial ranges, ventilation systems, and point-of-sale equipment are properly accounted for. Cherry will work with you to confirm your equipment values are reflected in the coverage.
Call 306-653-2313 or submit a request at cherryinsurance.ca/contact. Have your annual revenue and current coverage documents available. A Cherry commercial broker will follow up with you.