Totten Insurance Group offers a Hospitality Liquor Liability Including CLEI for no Additional Cost

Totten Insurance Group offers a Hospitality / Liquor Liability insurance plan which is one of Canada's leading programs for bars, restaurants, nightclubs or adult entertainment establishments. This program includes Commercial Legal Expense Insurance at no additional cost.

STERLON Underwriting Managers Ltd. is pleased to be the Legal Expense Insurance service provider on Hospitality / Liquor Liability policies issued by Totten Insurance Group. Since 1993 STERLON has administered the largest portfolio of Legal Expense Insurance products in Canada and handles all claims on behalf of Underwriters at Lloyd's of London.

"Given the nature of the claims we are dealing with today, a legal dispute is more likely to burn a client than an actual fire", says Kevin Le Messurier-Girling, President of STERLON. "A broker who fails to offer his Hospitality client a Totten package which automatically includes Commercial Legal Expense Insurance is failing his client and could run the risk of an E&O claim".

"Given the nature of the claims we are dealing with today, a legal dispute is more likely to burn a client than an actual fire", says Kevin Le Messurier-Girling, President of STERLON. "A broker who fails to offer his Hospitality client a Totten package which automatically includes Commercial Legal Expense Insurance is failing his client and could run the risk of an E&O claim".

Product Highlights

Specifically designed for the Hospitality industry where there are larger receipts generated for both the liquor and food.
Able to write risks with up to 100% Liquor
Designed to accommodate most classes of hospitality risks
Able to write small to large accounts
Highly professional Claims service
Policy provides coverage for bodily injury and property damage
Forcible ejection coverage is included
Risk Management Services
All accounts written are subject to an inspection and completion of all inspection recommendations in 60 days
Legal Expense Insurance coverage at no additional cost

Coverage & Limits

In-house up to $10M in Property
$5M CGL available
$10M can be quoted within 48 hours

Commercial Legal Expense Insurance includes a toll-free Telephone Legal Advisory Service providing a service element which your clients are encouraged to use to help them risk manage their business. Clients have unlimited access to this feature of the program. If a problem cannot be resolved by our Advisory Services a lawyer can be appointed to act for the client for matters arising from:

Legal Expense

Contract Disputes
Employment Disputes
Criminal Prosecution
Property Disputes
Personal Injury

Coverage & Limits

Telephone Legal Advisory Service
$50,000 any one claim
$250,000 aggregate limit
$500 Excess Any One Claim with respect to Legal Expense other than the Telephone Legal Advisory Service

Access to Justice has long been an issue in Canada and is not something that applies to just individuals. Small to mid-sized businesses, without the benefit of in-house or retained counsel, face access to justice issues as well. Legal Expense Insurance responds to specified perils which are unexpected and often financially catastrophic if unprotected.

Should you have questions regarding coverage, please contact the Totten Hospitality Division at 1-888-868-8367.