We insure restaurants, bars, cafes and more
We’ll help protect your café, bistro, takeout shop or full-service restaurant with top-notch insurance at affordable rates. Beyond the basics like liability and property losses from theft, fire and flood, we have coverage options as unique as your company – like equipment breakdown, liquor liability, business interruption and more. Let’s talk.
Get a quote on restaurant insurance and start saving today
No matter the size of your restaurant, or where it’s located in Ontario, we can customize an insurance package coverage to fit your specific needs. As a brokerage for more than 70 of Canada’s top insurers we have access to some of the best coverage options and prices out there, so you’ll never need to shop around again.
What does restaurant insurance cover?
There are lots of different coverage options if you own a restaurant, but here are some key basics:
Commercial general liability
This pays for your legal costs and more if someone is injured at your restaurant or if something happens to their belongings. If the unexpected happens, we’ll be there to help.
More about CGL
Commercial auto
If your restaurant has delivery or supply vehicles, this provides coverage for accidents, theft and property damage. If your staff use their personal vehicles for deliveries, we have protection for that too.
More about commercial auto
Cyber insurance
If your bar or restaurant has a website, keeps electronic customer data, or accepts electronic payments, cyber insurance covers liabilities that can arise from data breaches and cybercrime.
More about cyber insurance
Commercial property
Protects your restaurant and wider property from damage caused by fire, flood, vandalism, theft and more. All your inventory and equipment is also included in this essential coverage.
More about commercial property insurance
Equipment breakdown
Covers mechanical and electrical equipment like heating and air conditioning, ovens, hoods, freezers, phone and lights if there is a sudden failure. It also covers lost revenues where applicable.
More about equipment breakdown insurance
Liquor liability
For eateries that serve alcohol, this is part of your commercial general liability coverage and protects your establishment from liability for injuries or damage caused by intoxicated guests.
More about liquor liability insurance
Frequently asked questions about restaurant insurance:
How much does restaurant insurance cost?
The cost of restaurant insurance can vary significantly based on the type of operation and the size of your company. Insurers look at a number of factors when determining premiums including:
- Where your business is based and how long it’s been operating for
- The annual revenues of the company
- The coverages and limits you need
- Whether or not you serve alcohol
- How many employees you have
- If you’ve had past claims
Do I need product liability insurance?
Yes, but don’t worry because it’s included in a typical insurance package as part of your commercial general liability coverage. It protects restaurants and other food service businesses from liability if someone gets sick from food that you served them. You can learn more about product liability insurance here. Our restaurant insurance experts are happy to talk more with you about product liability and any other coverages your business may need.
What if our employees make deliveries using their own personal vehicles?
Many food service businesses have their employees make deliveries using their own personal vehicles. However, if they get in an accident while making a delivery, their personal auto insurance will not provide coverage for this. You’ll need non-owned automobile insurance included in your restaurant policy. Our team of commercial insurance experts will help make sure you’ve got the right coverage to protect you, your employees and your business.
