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Hospitality Insurance Program

The Ontario Restaurant Hotel & Motel Association (ORHMA) in partnership with Western Financial Group is pleased to offer an exciting insurance program to ORHMA members. The Hospitality Insurance Program offers members with insurance coverages that are tailored to the unique needs of the hospitality industry, with coverage options such as commercial general liability, directors and officers, and cyber liability.   Their team of Risk Management Advisors also provides members with risk mitigation tips and strategies to improve safety and reduce claims.

Hospitality Insurance Program 

Insurance Solutions for Canadian Hotels, Motels, Bars & Restaurants

The Hospitality Insurance Program (HIP) works in partnership with Canadian hospitality associations to provide commercial insurance and employee benefits solutions that are tailored to the unique needs of hotels, motels, bars, and pubs. 


With more than 20 years of experience and more than 900 program participants, HIP is Canada’s leading hospitality program and continues to provide members with insurance coverage that they can trust.  

ORHMA Members can benefit from:  

  • Comprehensive coverage reviews and risk management services. 

  • Service from insurance & claims advisors who are hospitality insurance experts. 

  • Compliance with the insurance requirements of all brands and banners.

  • Ownership of premium dollars and potential for returns of premium via Protected Self-Insurance Structure.

Advantages for ORHMA Members

Industry Specific 1

Industry Specific Coverage 

Our insurance experts offer flexible coverage options that are tailored to the unique risks faced in the hospitality industry.

Dedicated Support

Dedicated Support

The Hospitality Insurance Program offers clients access to 24-7 claims service, risk management strategies, and a dedicated insurance advisor for their account. 

Cost Effective Policies

Cost-Effective Policies

Flexible coverage options ensure that you get the protection you need, at the best value.

Loss Prevention Training

Property and liability insurance continues to be a substantial cost for hotels throughout Canada. After hearing the concerns of our members, we collaborated with other industry stakeholders to create loss prevention and risk management training resources for hotels and restaurants.


Loss prevention training and education for managers is critical to reducing the number and cost of claims, thereby potentially reducing the premiums for property and liability insurance. By implementing these best practices and prioritizing health and safety, hotels and restaurants can also improve staff engagement and guest satisfaction. 

This series will help you prevent incidents that can injure staff or guests, and damage your property, your reputation, and your business. Use these videos:

  • As part of your businesses new employee onboarding and training

  • As a refresher and discussion starter at department meetings

  • As a training resource for your health & safety committee/representative.


As a hospitality business, you know the impacts rising insurance costs can have on your business. This educational series will provide you with important information about how to create and implement a loss prevention strategy. 

The "Good for Business" Loss Prevention Training Series includes training on the following topics: 

  1.  Why Invest in Loss Prevention? 

  2. Why Report Incidents? 

  3. Cyber Security 

  4. Property Security 

  5. Emergency Response Planning 

  6. Fire Damage Prevention 

  7. Water Damage Prevention 

  8. Liquor & Cannabis Liability 

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