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S & S Insurance For Bars & Pubs
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Comprehensive Solutions To Protect You
Running a restaurant, bar, or pub in British Columbia means juggling staff, suppliers, and customers every day. One small incident can become a major financial loss. A grease fire, broken pipe, or slip-and-fall injury can shut your doors or trigger a lawsuit. Theft, equipment breakdown, or a power outage can spoil stock and kill a whole weekend’s revenue. Seasonal patios, live music, and deliveries all add new risk. Our job as your insurance broker is to help you prepare for these everyday exposures before they hit. We review your location, equipment, leases, and contracts, then recommend the right mix of coverage. From property and liability insurance to business interruption and equipment breakdown, we make sure your protection matches how you actually operate, not just what’s on a form, so you can focus on guests, not worst-case scenarios.
Every hospitality business in B.C. is different. A busy late-night pub does not face the same risks as a family restaurant or craft cocktail bar. We start with core protection—commercial general liability, building and contents, and business interruption coverage that reflects your real revenue and expenses. Then we layer in options like liquor liability, cyber, crime, food spoilage, equipment breakdown, and non-owned auto, depending on your operations. We also review landlord, franchisor, and lender requirements to prevent breach of contract issues or uncovered obligations. As your broker, we compare quotes, negotiate terms, and highlight exclusions, deductibles, and warranties, so you understand what is and is not covered. The result is a practical, cost-effective insurance package that protects your investment, supports your long-term growth plans, and can adapt as your business evolves.
Common claims for restaurants, bars, and pubs include kitchen fires, water damage from burst pipes, customer slips and falls, and liquor-related incidents inside or after guests leave. With the right insurance in place, property coverage helps repair or rebuild your space and replace damaged stock, fixtures, and equipment. Business interruption coverage can replace lost income and help cover ongoing expenses while you are closed, such as rent and key payroll. Liability insurance can respond if a guest, neighbour, or supplier is injured or alleges negligence. Liquor liability can help protect you when a claim involves alcohol service or over-service. As your broker, we help document the loss, communicate with the insurer, coordinate experts, and push for a fair, timely settlement, so you can focus on reopening and keeping your team employed.
Coverages Available For You
Business insurance safeguards against unexpected incidents like property damage or legal claims. Protect your company’s future with tailored insurance solutions.
Business interruption insurance replaces lost income and covers expenses when your BC business is forced to close due to a covered event like fire or natural disaster.
Business liability insurance protects BC companies from financial losses due to lawsuits, covering legal costs and damages for third-party injuries or property damage.
Protect your business assets with comprehensive coverage for property damage and loss.
Employment Practices Liability Insurance (EPLI) protects businesses in British Columbia against employee claims related to discrimination, wrongful termination, and harassment.
Protect your business assets with comprehensive equipment breakdown insurance, covering mechanical and electrical malfunctions.
Explore comprehensive Group Benefits in British Columbia, designed to support employee health, wellness, and financial security through tailored insurance plans.
Marine liability insurance protects businesses against legal liabilities from marine operations, covering third-party claims for injury, property damage, and pollution.
Liquor liability insurance in British Columbia protects businesses serving alcohol from claims related to intoxicated customers, covering legal fees and damages.
Umbrella insurance in British Columbia offers essential extra liability coverage, protecting your assets against unforeseen legal claims and financial risks.
Commonly Asked Questions
Discover our streamlined insurance process designed to be quick and straightforward. From initial quote to policy purchase, we guide you through every step to ensure your complete satisfaction.
Begin with your information to get a detailed insurance quote.
We’ll gather your personal or business information through our secure form to create an insurance quote just for you.
Review coverage choices from different providers and choose the best one.
We’ll guide you through comparing insurance options, helping you select the plan that best matches your coverage needs and budget.
We’ll help you secure your policy quickly, providing immediate access to your documents and full dedicated support.
Our team of experts specializes in home, auto, business, life, travel insurance, and more, providing you with tailored guidance to ensure you receive the best possible coverage.
Proudly recognized as one of the top independent brokerages in Vancouver.
S&S stands apart with a blend of local expertise and personal commitment, creating insurance solutions that resonate with your needs in British Columbia. We deliver personalized service that fits into your busy life.
Expertly crafted insurance solutions uniquely tailored to meet your specific lifestyle and coverage needs effectively.
Leverage our local knowledge to secure insurance that's suited for British Columbia’s unique market conditions.
Explore a wide range of personal and commercial insurance products, all through one comprehensive policy.
Committed to outstanding customer service, we ensure continuous support, making your experience stress-free.
Experience savings on your premiums with our competitive pricing without sacrificing the quality of your coverage.
Our team of professionals brings 30+ years of expertise to guide you through the insurance selection process.
In partnership with top insurers, we provide robust, reliable coverage tailored to meet your unique needs.
Open daily, with extended hours across multiple locations for easy access to our insurance services at your convenience.
Getting You The Best Quote
We work with trusted insurance companies to compare the best coverage and rates. Our team helps you save by offering tailored solutions that can beat your current policy and provide great value for your needs.
Trusted by Our Clients
See what our clients say about S&S Insurance—personalized service, expert advice, and unbeatable savings. Real experiences from satisfied customers who trust us to protect their home, business, and assets.
Stay informed with expert advice on insurance trends, coverage tips, and ways to save money. Our blog features articles that help you make smarter decisions about protecting your home, car, business, and more.
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