Insurance for Hospitality, Recreation & Experience-Based Businesses
From restaurants and breweries to golf courses and fitness facilities, we help protect businesses built around people, experience, and operations.
Where Great Experiences Meet Smart Coverage
Hospitality and recreation businesses are built around experience — but behind the scenes, they carry a wide range of operational and liability risks.
From customer interactions and food service to equipment, events, and physical activity, these businesses require insurance programs that reflect how they actually operate day-to-day.
At Coughlin Insurance, we work with hospitality and recreation businesses across Western Canada — from independent restaurants and breweries to golf courses, gyms, and growing recreational facilities — helping structure coverage that protects both operations and reputation.
What We Cover
We provide tailored insurance solutions for hospitality and recreation businesses, including:
- Commercial Property & Contents
- Business Interruption
- General Liability
- Liquor Liability (where applicable)
- Equipment Breakdown
- Cyber Insurance
- Event & Specialty Coverage
- Umbrella & Excess Liability
Who We Work With
We support a wide range of hospitality and recreation businesses, including:
- Restaurants, cafés, and bars
- Breweries, wineries, and distilleries
- Hotels, motels, and hospitality groups
- Golf courses and country clubs
- Fitness facilities, gyms, and studios
- Pickleball, paddle, and indoor recreation clubs
- Event venues and entertainment businesses
From independent operators to multi-location or destination-based operations, we structure insurance that aligns with your business.
Common Risks & Considerations
Hospitality and recreation businesses face a combination of operational and liability risks, including:
- Customer injury and liability exposure
- Liquor-related liability risks
- Equipment breakdown impacting operations
- Food spoilage and refrigeration failure
- Business interruption due to fire, water damage, or other events
- Seasonal fluctuations and event-driven revenue
- Increased liability in recreational and physical activity environments
Ensuring your insurance reflects these risks is critical to protecting both your business and your reputation.
Operational Areas We Consider
A strong hospitality and recreation insurance program considers the full scope of your operations, including:
- Customer-facing environments and foot traffic
- Food and beverage operations
- Recreational facilities and activity-based risk
- Equipment and specialized infrastructure
- Events, bookings, and seasonal operations
We take a practical approach to understanding how your business runs so your coverage supports it.
Why Choose Coughlin Insurance?
We understand that your business is built on experience — and protecting that experience is critical.
Experience across hospitality, recreation, and experience-based businesses
Access to insurers that understand these specialized risks
Flexible solutions for seasonal and evolving operations
Practical advice focused on protecting your business and your brand
Responsive claims support when issues arise
Frequently Asked Questions
Do restaurants and bars need liquor liability insurance?
Yes — it’s essential for businesses that serve alcohol and is often required.
What insurance do gyms or fitness facilities need?
Typically liability, property, and sometimes specialized coverage depending on activities offered.
Are golf courses and recreation facilities more exposed to liability?
Yes — due to the nature of physical activity and public use, liability exposure is higher.
What does equipment breakdown cover?
It protects against sudden and accidental failure of key equipment like refrigeration or HVAC systems.
Protect your business, your customers, and your reputation.
