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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.

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Cafe restaurant.
Ice-cream shop.
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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.

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What does restaurant insurance cover?

There are lots of different coverage options if you own a restaurant, but here are some key basics:

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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

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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

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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

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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.

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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.

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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.

Frequently asked questions about restaurant insurance:

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

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.

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.