How it works

1. Request a quote or call us

Fill in the short form on any page, or call us at (416) 346-6886. The form asks for your business type, location, contact details and a few basics about your operation. It takes a couple of minutes, and there is no obligation.

2. Our broker reviews your operation

One of our licensed brokers gets in touch within one business day. We ask the questions an underwriter will ask, so your application is complete the first time: how you cook, how much alcohol you sell, your AGCO licence and Smart Serve records, your hours, your building and what your landlord or lender requires.

3. We shop your application with insurers suited to hospitality

We take your application to insurers that suit your type of business, including specialty and hospitality-focused markets. A licensed bar, a bakery with a wholesale line and a lakeside inn each fit different insurers, and knowing which ones want which risks is the core of what we do.

4. We present your options in plain language

We lay out the options side by side and explain the differences: what is covered, what is excluded, the limits, the deductibles and the price. We point out gaps, such as missing equipment breakdown or a business interruption limit that is too low for your sales. You can read about the coverages a typical package includes before the call so the conversation is easier to follow.

5. We bind your coverage and issue documents

Once you choose, we bind the policy with the insurer and send your documents, along with any certificates of insurance your landlord, lender, municipality or event venue needs.

6. We stay with you

Insurance does not end when the policy is issued. We issue certificates when you sign a new lease or book an event, update your policy when you add a patio, new equipment or a second location, review your coverage at renewal and help you through a claim if something goes wrong.

Step	Who does it	What you need to do
Request a quote or call	You	A few minutes of basic details
Review your operation	Our broker	Answer a few questions
Shop your application	Us	Nothing
Present options	Our broker	Review the choices and ask questions
Bind and issue documents	Us	Choose an option and arrange payment
Ongoing service	Us	Call when something changes

The quote is free and there is no obligation. You pay for the policy you choose, at the price the insurer sets, and our service is included.

You do not need everything before you get in touch, but having these details on hand makes the call faster and the quotes more accurate:

• Legal business name, address and years in business
• Business type, seating capacity and opening hours
• Annual sales, and the share that comes from alcohol if you are licensed
• Your AGCO liquor licence type and staff Smart Serve records
• Number of employees, approximate payroll and WSIB status
• Cooking equipment, especially fryers, grills and open flames, and your fire suppression and hood cleaning details
• Building details: age, construction, square footage and recent updates to roof, wiring, plumbing and heating
• Values for equipment, contents, inventory and leasehold improvements
• Claims history for the past several years
• Your current policy and renewal date, if you have one
• Lease or contract requirements, such as minimum liability limits or additional insured wording

Example: A Hamilton caterer starting to serve alcohol at weddings fills in the form on a Tuesday. Our broker calls Wednesday morning, asks about event volume, bar service and vehicle use, and has the caterer send the venue contracts that list required limits. By the following week the caterer has options from several insurers to compare, with liquor liability included, and the venue certificates go out the day the policy is bound.

Use the form on this page, our quick quote request, or call us at (416) 346-6886 to talk to one of our hospitality brokers. We will be in touch within one business day, and you can find more answers on our questions page for owners.