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ATTENTION - Until further notice, Hubbard Insurance Group will be working remotely from home offices. We will all be available through regular avenues of phone and email; however, we are eliminating in person meetings.

 


Restaurant Insurance

WELL ADVISED, WELL PROTECTEDTM.

Ownership and operation of a restaurant carries with it special exposures to risk of loss, particularly with third party liability.

(905 696-9090)

Ownership and operation of a restaurant carries with it special exposures to risk of loss, particularly in the field of third party liability.

Restaurateurs know and accept the responsibilities they are assuming in hosting members of the public and serving them. The legal responsibilities thus change the onus of liability to rest firmly on the restaurant operator.

This “presumption” of liability applies principally to two key areas, both the operation of the premises and to the dispensing of food and drink.

Operation of the Premises and Risk Exposures

The restaurant must be maintained as a safe and harm-free environment. Claims of ‘Slip and Fall’ are on the rise in the restaurant business both in frequency and costs. We want to make sure you have the proper coverage in place and safety precautions in use in place to avoid any injuries and exposures to a loss.

Examine your complete premises for risk exposures, inside and outside of the building. For example, the clearing of ice and snow is a commonly overlooked area and is as much the legal responsibility of the restaurant operator as it is a building owner. While your lease might say it is the job of the landlord to clear the snow, legally, you are both typically ‘on the hook’ in the event of a claim.

Inside your restaurant be sure to have handrails on stairways with more than 3 steps, clean up spills immediately and place “Caution Slippery When Wet” signage over the wet area, clean up loose carpeting and other trip hazards, improve lighting for increased visibility and manage the service of hot food and beverages are amongst some of the multitude of things to keep in mind.

Host Liquor Liability

Liquor is served at a variety of functions and events; dinner parties, birthdays, family or corporate barbeques, weddings, banquets, and charity fundraisers. As an individual or a large corporation, as soon as you become the “host” providing and/or serving liquor, the burden of responsibility to ensure that nothing bad happens as a result of being connected to the supply of that alcohol is placed with you.

‘Host Liquor Liability’ refers to your ‘responsibility’ when you are considered the ‘host’ providing and/or serving liquor to others. In the case of restaurants and establishments hosting these events most serve alcohol, and you must be aware of these stringent responsibilities. ‘Host liquor’ laws apply with even more legalities to your operation. If property is damaged or worse, someone is injured or killed a court of law may determine that you were involved due to you hosting the event where liquor was available. This is a nightmare you don’t want to find yourself involved with.

Courses such Smart Serve and SIPs are mandatory requirements. But beyond the recommendations that those courses provide you having a procedure for offering alternate methods of transportation home for patrons is great service. As well maintain a detailed incident log at the time that the incident happens, recording date, time, witnesses, and details of the incident. These are great due diligence efforts and risk management. Such actions can be excellent cornerstones of a solid defense in the event of a claim.
Let us review your insurance needs and make sure you are protected from any claims resulting from liquor liability.

With Hubbard Insurance Group, you can focus on running your business while we work to get competitive quotes for your consideration. To learn more or get a free quote contact us 905-696-9090 or Toll Free 1-800-900-2009 or better@hubbardinsurance.com. Where you will be Well Advised. Well ProtectedTM. ™

Fill out our Get A Quote form and we will begin working on it right away!

Other Insurance Coverages to Consider

COMMERCIAL PROPERTY INSURANCE

Protect your physical assets such as your building, stock, and equipment against loss.

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Your vehicles are your business. We are here to ensure you have the coverage in place to keep your business moving!

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Coverage for health care, dental care, short term or long term disability, life insurance for any size businesses operation.

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BUSINESS INSURANCE

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"As you know, we have had our business & personal insurance through your office for over 10 years. I just thought you would like to hear that we have been extremely pleased with the work yourself and your team have done for us."
- Carlo Di Florio, Versa Graphics - Mississauga
Not only did Hubbard Insurance Group put me back on track with a very competitive rate for both my cars, both my boats and my home, they were able to undo the damage the other broker had managed to do in record time. My heartfelt thanks to Hubbard Insurance Brokers!
Just a quick note to express our gratitude to you and your staff on a job well done. It is nice to know that when the chips are down we can count on your company to back us up.
- Robert Elder, Ontor Ltd
I was so relieved to have you guys on "my side" and working with me during the claims process. Thanks so much for being there.
- Brent Kilner - Heartland Printing & Graphics Ltd. - Mississauga
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Hubbard Insurance Group
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