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Hospitality Establishments


Marsh Canada is pleased to provide our Hospitality program — Advantage. This is a general insurance program created to meet the insurance needs of the hospitality industry in Canada providing coverage for Property, Crime, Forcible Ejection, and Host Liquor Liability. The Advantage program provides comprehensive insurance coverage designed for restaurants, pubs, bars, and other hospitality establishments.

Loss control advice is automatically available, as a benefit, to all hospitality establishments participating in the Advantage program as each location is inspected and recommendations are made where necessary. All participants in the program are provided with risk management tool kits to assist them in managing the risks associated with their business.

The benefits of loss control advice to you are:

  • Risk surveys are free of charge and include inspection of overall operation and physical properties.
  • It serves to identify both physical and operational opportunities for improvement, in the establishment and provides you with solutions to help minimize risks and prevent losses.
  • It provides the basis on which to reward establishments that adopt better risk management practices.
  • It serves to increase establishment employee awareness regarding business operations and their role in mitigating loss while carrying out their daily activities.

Who Will Benefit?

Coverage is available to most members of the hospitality industry in Canada. As a general rule, we are interested in establishments that take an active interest in risk management and have in place the following:

  • Wet chemical extinguishing systems in place with a semi-annual maintenance schedule.
  • Server training and designated driver programs.
  • Up-to-date incident logs and maintenance records.

Coverage will vary depending on the individual risk characteristics.

Why Buy This Product?

Coverage has been specifically designed for the hospitality industry, resulting in broader coverage, less risk of "gaps" in your insurance protection and the availability of higher limits of coverage.

Preferential rates allow for competitive pricing. We also offer a monthly payment plan.

Advantage was developed by Marsh Canada. Marsh's size and worldwide presence mean that we can bring significant experience and expertise to assist you in your insurance needs.

Coverage Features

The coverage provided under Advantage was developed to meet the specific needs of the hospitality industry.

The program features an All Risks Package Policy incorporating Property, Business Interruption, Casualty, and Crime including Forcible Ejection coverage. Participants also have access to increased limits of liability.