Hospitality

Holman Insurance Brokers Ltd. can provide Insurance packages for all types of operations within the industry.  We have worked hard to produce custom hospitality insurance packages.

Types of Hospitality operations we insure:
 

• Family Style Restaurants
• Fast Food chains and franchises
• Fine Dining establishments
• Dining Theaters
• Cafes
• Coffee Houses
• Caterers
• Hotels & Motels
• Nightclubs & Private Clubs
• Lounges
• Bars & Taverns
• Billiard Halls, licensed and unlicensed
• Legion Halls
• Swinger Club
• Adult Entertainment

Our policies are custom tailored to meet your specific needs and can include business interruption, stock coverage including spoilage, crime coverage, general liability and liquor liability,  flood, earthquake and sewer backup.

Many of our clients participate in Risk Management programs and have strict House Alcohol Policies. 

A risk management program could include:
 

1. Provide and maintain training for all serving staff through Smart Serve and/or any other approved program.
2. Establish written procedures for the sale of alcohol to be followed by all staff, reinforce and support staff.
3. Maintain an activity log to record possible incidents.

A Sample House Alcohol policy could include:
 

1. Monitoring the door – Entrance / exit / first point of service – ID verified where appropriate, service denied to rowdy or intoxicated guests, control access to avoid overcrowding.
2. Provide a food menu to encourage consumption of food.
3. Offer low cost non-alcoholic beverages
4. Encourage designated drivers
5. Post notices to inform guests of the house rules
6. Maintain stairs, floors free of debris.
7. Refuse service to intoxicated guests.

In addition, Holman Insurance Brokers Ltd. can provide the following:

Risk Consulting 
Services we provide that are specifically designed for restaurants include identifying slip and fall hazards.

Fire Protection and Security 
We make can make recommendations regarding fire protection, fire suppression and security systems to help restaurants comply with insurance company requirements.

Specialty Property Coverage
Our property programs provide coverage for exposures such as loss of customers’ personal property, coat checks and food spoilage caused by a mechanical breakdown.

General Liability Coverage Extensions 
We offer several important liability coverage extensions, such as medical payments coverage for customer injury or illness.

Liquor Liability
We offer liquor liability programs that provide coverage for bodily injury or property damage resulting from manufacturing, selling or distributing alcoholic beverages.

Commercial Automobile Liability 
Primary valet parking coverage is available to cover bodily injury and property damage.

Holman Insurance Brokers Ltd. can offer a full range of coverages for all licensed establishments regardless of the gross receipt split; up to and including 100% liquor sales.