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Oracle RMS Insurance

Hospitality & Restaurant Insurance

Industry Insurance — Oracle RMS Insurance

Hospitality & Restaurant Insurance

Insurance for restaurants, bars, hotels, and hospitality businesses — covering the risks that come with serving the public.

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Hospitality and food service businesses face a unique combination of risks — liquor liability, foodborne illness claims, slip-and-fall injuries, property damage, and significant business interruption exposure. A single incident can result in costly litigation and reputational damage. Oracle RMS works with restaurant owners, hoteliers, and hospitality operators to build insurance programs that address the full scope of their risk.

Who needs this coverage?

Restaurants, bars, pubs, cafes, food trucks, catering companies, hotels, motels, bed and breakfasts, event venues, banquet halls, and any business that serves food, alcohol, or provides accommodation to the public.

Key coverages

  • Commercial general liability
  • Liquor liability (host liquor / commercial)
  • Commercial property
  • Business interruption
  • Equipment breakdown
  • Food spoilage coverage
  • Cyber liability (POS systems)
  • Crime and employee dishonesty
  • Commercial auto (delivery)
  • Umbrella / excess liability

Frequently Asked Questions

What is liquor liability insurance?
Liquor liability insurance covers claims arising from the service of alcohol — for example, if an intoxicated patron injures a third party after leaving your establishment. Canadian liquor liability legislation varies by province and imposes liability on licensees who serve alcohol to visibly intoxicated persons.
Is liquor liability required in Canada?
Liquor liability is not legally mandated in most provinces, but it is a condition of most commercial leases and is strongly recommended for any business that serves alcohol. The financial exposure from a single liquor liability claim can be catastrophic without coverage.
What is food spoilage coverage?
Food spoilage coverage reimburses you for the cost of food inventory that spoils due to a covered equipment breakdown — such as a refrigeration failure. It is typically added as an endorsement to a commercial property policy.
Do restaurants need cyber liability insurance?
Yes. Restaurants that process credit card payments are targets for point-of-sale (POS) system breaches. A data breach can result in significant costs for forensic investigation, card replacement, and regulatory fines under PCI DSS.
What does business interruption cover for a restaurant?
Business interruption insurance replaces lost revenue and covers ongoing expenses — rent, payroll, utilities — when a covered property loss forces your restaurant to close temporarily. For restaurants with thin margins, even a short closure can be financially devastating.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.