Daniel Cook operates Donegal’s Rock & Irish House on 96th Avenue in Surrey. (Photo: Tom Zillich)

Daniel Cook operates Donegal’s Rock & Irish House on 96th Avenue in Surrey. (Photo: Tom Zillich)

Insurance ‘shock’ for Surrey pub operator who found a way to reopen after COVID shutdown

‘It’s not just us, it’s happening to other bar owners,’ says Donegal’s operator Daniel Cook

Daniel Cook says it’s a happy ending for him and his staff, now that his Surrey-area pub is set to reopen after an insurance-costs crisis nearly forced the place to close forever.

The doors to his Donegal’s Rock & Irish House will reopen at noon Wednesday (June 24) following a nerve-racking three months of COVID-related shutdown.

The mid-spring timing of a liability-insurance renewal was also cause for stress for him and his bar staff.

“Some of the insurance companies wanted 10 times what my rate was last year,” said Cook, who has operated Donegal’s, on 96th Avenue, for close to 14 years.

“It’s not just us, it’s happening to other bar owners,” Cook added. “It’s just one more thing, because we’ve been closed for several months, we’re coming back in a down market at half capacity because of physical distancing, and we won’t be doing near the volume we were doing before. Our insurance rates were already high, and now it’s going up significantly. It’s a double whammy.”

Cook has chronicled his plight in Facebook posts, including some good news on Friday (June 19): A reasonable insurance rate had been secured for the bar to reopen.

“My new rate is triple last year’s,” Cook told the Now-Leader. “It’s going to be painful but it was literally the only other option I had, so it was that or close.”

An earlier quote was for $70,000, Cook said, with a $10,000 deductible for a claim.

“I’ve heard of one bar owner getting a quote of $100,000,” Cook said, “and another, the rate went from $20,000 to $60,000 for a year.

“It was all a shock to me, how much insurance costs had risen,” he added. “It used to be a soft market with lots of vendors, lots of competition for insurance business, but then in 2018 the market shifted and they were getting tight about who they were looking at. There’s a much smaller market for insurance companies that will even touch hospitality, and most of them won’t do bars and pubs. It’s a huge issue, and it started becoming an issue even before COVID.”

• RELATED STORY: Surrey pub brings bands back as Dr. Henry warns about how singing can spread COVID-19.

Meantime, some Donegal’s regulars launched an online campaign to raise $50,000 to help Cook pay mounting bills.

“Donegal’s has given so much to this community, and to live music, we wanted to try to help them to be able to reopen, and continue that work,” says a post on gofundme.com.

• ALSO READ: ‘Freakrock’ jammers find groove among the faithful at Surrey pub

Surrey pub ‘instantly recognizable’ in new Schwarzenegger movie

During the pandemic-related shutdown since mid-March, Cook went to work on renovations at Donegal’s, including polishing brass, new paint, lighting upgrades and some new washroom stalls.

For now, the pub operates with limited hours and plans to reintroduce live music at a later date.

“We will be working with local health officers, our staff, and some trusted musicians to formulate a plan, and to make sure that when we do (bring back live music), we can ensure that it is done right,” Cook said on Facebook.

“Yes, I’m anxious to start getting those sales up, it’s been three months of no income, and the natural inclination is to ramp up business as fast as we can,” Cook added. “But I believe that to be shortsighted, and potentially harmful. We will not be responsible for taking risks that could cause an outbreak just to make a few bucks; the lives of our community mean more than that, we will find a way to do it better.”



tom.zillich@surreynowleader.com

Like us on Facebook Follow us on Instagram and follow Tom on Twitter

Coronavirus

Get local stories you won't find anywhere else right to your inbox.
Sign up here

Just Posted

RCMP. (Phil McLachlan - Capital News)
Police called to Surrey home for report of weapon, man taken into custody

Surrey RCMP say people evacuated from house, one found in a bedroom ‘hiding from police’

Students at Creekside Elementary in Surrey wrote letters to seniors over the holidays, and are planning to write more for Valentine’s Day and Family Day. (Photo: surreyschools.ca)
Surrey elementary students connect with seniors through letter writing

Creekside students planning to send more cards for Valentine’s Day

Surrey Fire Service responded to a fire in the industrial area of 192nd street and 54th Avenue early Saturday morning (Jan. 23, 2021). (Photo: Shane MacKichan)
Surrey crews respond to fire in industrial area

Fire happened early Saturday morning

Johnston Heights Secondary in Surrey. (Image: Google Street View)
Surrey school district getting second International Baccalaureate diploma program

New program to start at Johnston Heights in September

Delta View Care Centre (Google Street View image)
COVID-19 outbreak over at Delta long-term care facility, says Fraser Health

Good Samaritan Delta View Care Centre outbreak first declared on Nov. 1, 2020

U.S. Senator Bernie Sanders sits in on a COVID-19 briefing with Dr. Bonnie Henry, provincial health officer, and Adrian Dix, B.C. minister of health. (Birinder Narang/Twitter)
PHOTOS: Bernie Sanders visits B.C. landmarks through the magic of photo editing

Residents jump on viral trend of photoshopping U.S. senator into images

sd
VIDEO: Mission drag racer scores 1st career win, sets world record, makes history in 2020

Justin Bond, founder and owner of JBS Equipment Mission, has break-out year

A 75-year-old aircraft has been languishing in a parking lot on the campus of the University of the Fraser Valley, but will soon be moved to the B.C. Aviation Museum. (Paul Henderson/ Chilliwack Progress)
Vintage military aircraft moving from Chilliwack to new home at B.C. Aviation Museum

The challenging move to Vancouver Island will be documented by Discovery Channel film crews

Giants defenceman Bowen Byram has recorded his first NHL career point (Rob Wilton/special to Langley Advance Times)
VIDEO: Vancouver Giants Bowen Byram records first NHL career point with Colorado Avalanche

Player with Langley-based WHL franchise assisted on goal against the Ducks

A video posted to social media by Chilliwack resident Rob Iezzi shows a teenager getting kicked in the face after being approached by three suspects on Friday, Jan. 22, 2021. (YouTube/Rob i)
VIDEO: Security cameras capture ‘just one more assault’ near B.C. high school

Third high-school related assault captured by Chilliwack resident’s cameras since beginning of 2021

FILE - In this Feb. 14, 2017, file photo, Oklahoma State Rep. Justin Humphrey prepares to speak at the State Capitol in Oklahoma City. A mythical, ape-like creature that has captured the imagination of adventurers for decades has now become the target of Rep. Justin Humphrey. Humphrey, a Republican House member has introduced a bill that would create a Bigfoot hunting season, He says issuing a state hunting license and tag could help boost tourism. (Steve Gooch/The Oklahoman via AP, File)
Oklahoma lawmaker proposes ‘Bigfoot’ hunting season

A Republican House member has introduced a bill that would create a Bigfoot hunting season

Economic Development and Official Languages Minister Melanie Joly responds to a question in the House of Commons Monday November 23, 2020 in Ottawa. THE CANADIAN PRESS/Adrian Wyld
Federal minister touts need for new B.C. economic development agency

Last December’s federal economic update promised a stimulus package of about $100 billion this year

FILE - In this Nov. 20, 2017, file photo, Larry King attends the 45th International Emmy Awards at the New York Hilton, in New York. Former CNN talk show host King has been hospitalized with COVID-19 for more than a week, the news channel reported Saturday, Jan. 2, 2021. CNN reported the 87-year-old King contracted the coronavirus and was undergoing treatment at Cedars-Sinai Medical Center in Los Angeles. (Photo by Andy Kropa/Invision/AP, File)
Larry King, broadcasting giant for half-century, dies at 87

King conducted an estimated 50,000 on-air interviews

Kimberly Proctor, 18, was murdered in 2010. Her family has spent many of the years since pushing for a law in her honour, that they say would help to prevent similar tragedies. (Courtesy of Jo-Anne Landolt)
Proposed law honouring murdered B.C. teen at a standstill, lacks government support

Ministry of Mental Health and Addictions has concerns with involuntary detainment portion of act

Most Read