Get A QuoteWhat is the BCRFA Hospitality Insurance Task Force? BCRFA FORMS INSURANCE TASK FORCE TO ADDRESS CURRENT MARKET CHALLENGES The BCRFA and AC&D Insurance (BC Mainland) have teamed up to form the BCRFA Hospitality Insurance Task Force. The task force will assist members in addressing current challenges in procuring insurance for businesses the hospitality sector. With the onset of the "hard market" for the general insurance industry, businesses in the hospitality sector have faced increased challenges procuring insurance over the last 12 months. As a response to these issues AC&D Insurance have formed a task force to provide information, risk management tips, and assistance in procuring insurance for businesses in the hospitality industry. Working directly with business owners, a BCRFA Hospitality Insurance risk consultant will assess and review business applications to assist in preparing their businesses to procure insurance coverage. Although Task Force Consultants are happy to assist any hospitality business with placement of insurance if required, the primary directive of the task force is to answer any questions a BCRFA member (or prospective member) may have about the insurance market in general or to provide risk management tips that will assist in improving the insurability of their business moving forward. Finding the right insurance package in the current market requires the assistance of a brokerage with knowledge and experience working with this industry. AC&D Insurance has worked with the BC Restaurant & Food Services Association and their membership for over 30 years. At AC&D Insurance we have experience working with hospitality business owners to find the most suitable package to fit their needs and budget. Due to our long-standing industry affiliations we can offer packages and specialized coverages that are not available through other insurance brokers. The limits and types of insurance needed for each hospitality business is different and we will work with you to find the right solution. When should I contact the BCRFA Hospitality Insurance Task Force? Liquor Serving Establishments should contact us as soon as possible to discuss risk management considerations. We recommend that you contact us a minimum of 120 days in advance your current insurance policy term expiry to start the review process. Non-Liquor serving establishments should contact us a minimum of 90 days in advance of your current insurance policy term expiry to start the review process. How do I contact the BCRFA Hospitality Insurance Task Force? Complete the quote request form below; or Contact the BCRFA Hospitality Insurance Task Force lead, Brody Stonehouse, by phone at 1.800.229.3590 What does Hospitality Insurance Cover? The main components of standard Hospitality Insurance policies are: Commercial General Liability Commercial Property Business Interruption Crime Additional Hospitality-specific insurance considerations include: Host Liquor Liability Employment Practices Liability Food Borne Illness coverage Forceable Ejection Cyber and Media Liability Liquor and Wine Escalation Coverage Art Collections Why should I choose AC&D for my Hospitality Insurance? Our experience insuring hospitality businesses gives us an advantage over other insurance providers. We work closely with the hospitality industry and our insurer partners to design insurance packages suited to each businesses individual needs.
Complete as much of this form as possible. If you would prefer to have an application sent by email or speak with a qualified broker directly, please complete the contact information only and click the submit button at the bottom of the form. Current Insurance Expiry Date: CalendarToday What date do you require coverage?Business Legal Name: Contact Name: Phone Number: Email Address: Preferred Method of Contact: PhoneEmail Do you currently have insurance: Yes No Who is your current insurance company: We are looking for the name of the current insurance company for this business, not the insurance brokerage. If not currently insured please advise "none"Has insurance ever been denied or cancelled: No Yes Unknown Have there been any insurance claims in the last 5 years: No Yes How Many Years as a Hospitality Business Owner or Manager?: How many years owning/operating this business: Do you lease or own your premise: LeaseOwn Estimated Business Contents Value: Your Equipment (including leased equipment) and Leasehold/Unit Improvements are insured for the Replacement Cost New. Stock is insured at your costLocation Street Address: Location City: Location Province: Location Postal Code: Building Year Built: Building Total Square Foot Area?: Construction of building: Wood Frame Hollow Concrete Block Tilt-up Concrete Poured Reinforced Concrete Wood Frame / Metal Clad Metal Frame / Metal Clad Brick Other Building # of stories: 1 2 3 4 5 or more Is the building sprinklered: No Yes Is there a fire hyrant within 300 meters: Yes No Unknown Is there a paid fire hall within 8 kms: Yes No Unknown Do you own the building: No Option 2 How many years at your current location: Are you a member of a restaurant association?: No Is the owner active in day to day business: Yes No Type of Hospitality Business: Fine DiningCasualFamilyCafeSports BarPubLoungeQuick Service (counter)Take out onlyBarClubLive Music VenueOther What is the inside seating capacity: What is the outdoor seating capacity: Check all that apply: Lounge AreaSidewalk PatioValet ParkingLive EntertainmentDancingDeep Fat FryingDelivery (not by 3rd party - eg.Uber Eats) If you have a commercial kitchen, is the Automatic Fire Suppression System serviced at least every 6 months : Yes No No Commercial Kitchen Frequency of Duct Work cleaning : Every 3 monthsEvery 6 monthsEvery 9 monthsEvery 12 monthsN/A What are your estimated annual gross revenues ($CAD): % of sales derived from Food: % of sales derived from Liquor: % of sales derived from Merchandise: % of sales derived from Catering: % of sales derived from Special Events: % of sales derived from Delivery: % of sales derived from "Other": Please describe "Other" revenue below.If "Other" revenue is noted, please describe: Do all employees handling food take the Food Safe Course: Yes No Have you had Health inspection closure in the last 5 years : No Yes Do all employees handling alcohol take the Provincial Serve it Right or equivalent Course: Yes No Have there been any liquor contravention or penalties in the last 5 years: No Yes Do you keep an incident log: Yes No Upload Copy of Current Policy, if available: So that we may obtain limits required, please upload a copy of your current policyUpload Copy of lease insurance requirements: Please provide any notes or other relevant information: This is a good place to add relevant details on the owners previous experience or other important details about the business. If there have been claims please advise the estimated date(s) and estimate amount(s) paid for each.Enter Security code shown: Enter security code: Required to prove you're not a bot!