Hospitality Insurance Program
Insurance Solutions for the Canadian Hospitality Industry
The Hospitality Insurance Program (HIP) partners with Canadian hospitality associations to provide Commercial Insurance and Employee Benefits solutions tailored to the unique needs of hotels, motels, bars, and liquor stores. With over 19 years of experience and 900+ member properties, HIP is Canada’s leading hospitality program and continues to provide members with insurance coverage that they can trust.
Why the HIP Insurance Program?
The HIP Insurance Program works with you to provide superior coverage, tailored to your business and helps manage your risk. Our program offers complete in-house services, including specialized claims and risk management. This innovative approach provides efficient and responsive service, saving you time and money.
The HIP Insurance Program operates under a “Protected Self-Insurance”(PSI) structure, which enables participating clients to acquire a sense of ownership of their insurance program. Under the PSI structure a portion of premiums are allocated to a “Protected Self-Insurance” fund.
This fund allows the unique opportunity for premium to be returned to members when surpluses are built as a result of years with low claims. Under a traditional insurance program, insurers would retain these funds as underwriting profit. One of our key goals as program administrator is to provide resources to support loss prevention, which ultimately aid in providing long-term rate stability or returns of premium.
HIP Program Advantages
Industry-specific coverage
Our insurance experts offer flexible coverage options that are tailored to the unique risks faced in the hospitality industry.
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.
Industry Leading Coverage
Coverage type and limits that are tailored to your industry.
Commercial Insurance
Insurance for Hotels, Motels, Bars & Liquor Stores
Working in partnership with Canadian hospitality associations, the Hospitality Insurance Program offers a unique program tailored specifically to the needs of the hospitality industry, including hotels, motels, pubs and liquor stores. The Hospitality Insurance Program offers clients flexible coverage options, including:
COMMERCIAL GENERAL LIABILITY
Protection against a liability claim for bodily injuries or property damage to a third party.
CYBER LIABILITY
Helping you minimize the impact of a cyber attack with crisis management, credit monitoring and data recovery service options.
BUSINESS INTERRUPTION
Help protect your business from a loss of income in the event of a temporary shut-down with our business interruption insurance.
Access Your Policy
Login to review your policy wordings.
Program Advantages
FLEXIBLE COVERAGE
Our insurance experts ensure your hotel, motel, or bar gets the right level of coverage.
RISK MANAGEMENT SERVICES
Our in-house risk management team will help you develop strategies to improve safety and prevent claims.
DEDICATED SERVICE
Each member has a dedicated Commercial Insurance Advisor to assist them.
Need to Make a Claim?
Do you know about our Risk Management Services?
Our risk management team collaborates with you to assess your business and identify areas for improvement.
Learn more about our Risk Management Services.
Commercial Sales & Service
To better serve our clients, we have a dedicated team of specialists devoted to providing exemplary service to members of the HIP Insurance Program.
Toll Free: (800) 665-8990
Employee Benefits
The HIP Employee Benefits Program provides life, health and dental plans to over 1,600 independent Canadian businesses. Our expert in-house insurance team offers the product and all related services, such as day-to-day administration, analytical support and ongoing service support. The program saves you time and money while providing your employees with the coverage they need.
Fast. Convenient. Paperless.
OUR ONLINE ADMINISTRATION SERVICE PROVIDES MEMBERS
24/7 ACCESS TO THEIR EMPLOYEE BENEFITS PLAN. MAKING IT EASIER TO:
Administration Forms
Business owners and designated plan administrators can access important information about their benefits coverage and manage the day-to-day administration of their benefits plan in their own time! It is like having a benefits software that comes for free with your TotalGuard plan. Please give us a call at 800-665-8990.
- Enrolling New Hires
- Edit and Update Information Instantly
- Enrolling and Terminating Dependents
- Employee Salary Changes
- Terminating Employees
- Access Invoices
Need to Make a Claim?
Convenient access to your employee benefits through GreenShield Canada online portal.
Send completed claims forms directly to GreenShield by email.
Member Advantages
INDUSTRY-LEADING COVERAGE
Coverage type and limits that are tailored to your industry.
LONG-TERM RATE STABILITY
Stability is generated by spreading claims over the entire pool of participants.
PAY-DIRECT DRUG/DENTAL CARD
Pay-direct drug cards that cover prescription drugs and professional services electronically at the point of sale.
PROGRAM FLEXIBILITY
Member organizations have many different coverage options to choose from.
ONLINE ADMINISTRATION
Plan sponsors can conveniently perform many administrative functions online.
DEDICATED SERVICE
Each member will have a dedicated Employee Benefits Advisor to assist them.
