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Operating a hospitality business in British Columbia requires strict compliance with the Liquor and Cannabis Regulation Branch (LCRB). Establishments must ensure staff hold mandatory Serving It Right certifications while navigating the intense risks of patron altercations, property damage, and third-party injuries. A single over-serving incident can result in catastrophic legal defense costs, making specialized primary liquor liability insurance an absolute necessity for bars, pubs, and licensed caterers.
At InsureLine Alder, we provide the localized expertise required to protect your venue. Led by Managing Directors Gurtaj Bahad and Michael Puni, our team brings over 25 years of combined experience and manages a $15,000,000 commercial book with a proud 95% client retention rate. We understand that the hospitality industry never stops, which is why our Surrey-based brokerage is open 7 days a week to provide continuous, real-world service.
Whether you are a busy restaurant needing commercial general liability or an event host looking to mitigate risks, we have the specialized knowledge to help. We partner with over 15 leading carriers—including Intact, Aviva Canada, and Wawanesa—to deliver robust coverage. From verifying coverage gaps to understanding the critical differences between host and primary liquor liability, we ensure your business remains fully protected.
Third-party injuries
Over-serving lawsuits
Property damage
Patron altercations
Slips and falls
Intoxicated driving claims
LCRB compliance issues
Unauthorized alcohol consumption
Catered event risks
Host liquor liability
Primary liquor liability
Staff over-serving
Underage serving allegations
Legal defense costs
Medical expense claims
Special event risks
Operating a bar, pub, or restaurant carries distinct vulnerabilities, and we know that new and existing operations face heavy scrutiny. At InsureLine Alder, our primary benefit is delivering peace of mind through personalized risk management. We go beyond simply selling policies; we educate our clients first, explaining complex coverages in clear layman’s terms so you know exactly how you are protected against slips, falls, and over-serving claims.
Our hands-on expertise is backed by top-tier credentials. Gurtaj Bahad (CIP, CAIB) utilizes a numbers-first approach to optimize your coverage, while Michael Puni (Level 2 Insurance Broker) delivers practical problem-solving. We guarantee a strict 24-hour response time and commit to re-shopping your policy every single year to ensure you maintain the most competitive rates and optimal coverages for your specific needs.
By consolidating your commercial portfolio into a one-stop insurance shop, we eliminate dangerous gaps between your business, property, and liquor liability policies. Furthermore, we actively advocate for you during the claims process and negotiate directly with underwriters to secure correct pricing, ensuring your establishment’s financial stability is fiercely protected.
Access to nationwide commercial insurance providers.
Open 7 days weekly for hospitality support.
Mandatory annual policy re-shopping for optimal rates.
Guaranteed 24-hour response time for client inquiries.
Deep local expertise in BC liquor regulations.
Comprehensive one-stop shop for business portfolios.
Direct claims advocacy with major insurance underwriters.
Solutions explicitly tailored to venue-specific risks.
Fill out the form below or call us at +1 (604) 337-1217, and we will get back to you as soon as possible!
Our process begins with an in-depth initial discovery discussion and a meticulous review of your current policy. We prioritize the early identification of coverage gaps, evaluating any recent business changes and assessing your specific exposure to alcohol-related incidents. By deeply analyzing your daily operations, we ensure your risk profile is accurately captured before we approach the market.
Next, we execute a comprehensive multi-carrier market search using our extensive network of vendors, including specialized providers like Forward Insurance, Premier Marine, and SPG Canada. We do not just hand you a quote; we provide detailed comparisons that break down prices, exact coverages, and the unique risks of each policy type. This ensures we either shop for the most competitive quote or construct the absolute best coverage architecture for your venue’s needs.
Finally, we handle all policy finalization and processing, keeping you continuously updated on your insurance status throughout the onboarding. Our commitment to your business extends far beyond issuance—we mandate rigorous reviews at every renewal to adapt to your evolving operations and stand ready to aggressively assist you through any future claims process.
We begin with an initial discovery discussion and thorough policy review to identify coverage gaps. Next, we provide detailed multi-carrier quotes for comparison, finalize the ideal policy for your business, and conduct mandatory reviews at every renewal.
We review your current policies, identify coverage gaps, and note any recent life or business changes that could affect your insurance.
We obtain competitive multi‑carrier quotes and design coverage options tailored to your specific needs and risk profile.
We present clear side‑by‑side comparisons of prices, coverages, and key risks so you can confidently select the right policy.
We finalize and process your chosen policy, then conduct mandatory annual reviews at renewal to keep your coverage up to date.
Our 95% retention rate stems from fierce advocacy, open communication, and access to a massive nationwide network of carriers. We prioritize educating our clients while utilizing our decades of hands-on expertise to secure the most competitive rates available.
Customized coverage designed to match your unique needs.
Simple explanations that improve understanding and confidence.
Proactive negotiations to secure fair terms and pricing.
Timely updates that keep you informed every step.
Established relationships that help unlock better options.
Active involvement that helps local youth programs thrive.
Guided support to make every claim smoother and faster.
Centralized solutions that simplify all your insurance.
Managing Directors Gurtaj Bahad and Michael Puni combine analytical growth strategies with practical problem-solving. Bringing deep community roots and extensive brokerage experience, our approachable Surrey team simplifies complex policies into clear, layman terms for your peace of mind.
Our clients appreciate our transparent approach and dedicated 24-hour service. By leveraging extensive market knowledge, we consistently save local pubs and restaurants money on their premiums while securing the absolute best liquor liability protection available.
With over 25 years of combined experience managing a $15 million portfolio, InsureLine Alder delivers expert liquor liability coverage across British Columbia. Our CIP and CAIB certified team proudly maintains a 95% client retention rate.
British Columbia Commercial Insurance Tips And Advice
Stay informed with our latest articles on navigating liquor liability and risk management. We regularly share valuable industry insights, regulatory updates, and practical advice to help British Columbia establishments protect their assets and operate safely.
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