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What is the BCRFA Hospitality Insurance Task Force?


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.

What date do you require coverage?
Preferred Method of Contact:

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"
Do you lease or own your premise:

Your Equipment (including leased equipment) and Leasehold/Unit Improvements are insured for the Replacement Cost New. Stock is insured at your cost
Type of Hospitality Business:

Check all that apply:

Frequency of Duct Work cleaning :

Please describe "Other" revenue below.
So that we may obtain limits required, please upload a copy of your current policy
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.
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

Mon-Fri: 8:30am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed

InsureBC Squamish

850-1200 Hunter Place

PH: 604-892-1033

Mon-Fri: 9am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed


234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
Sat: 9am - 5pm
Sun & Holidays: Closed