Business Insurance
Restaurant Insurance
Restaurants are one of the highest-frequency claim categories in commercial insurance. Slip-and-falls, equipment fires, food spoilage during a power outage, and the occasional liquor-related lawsuit. The right policy isn't just a general business policy with a restaurant sticker on it.
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Who we cover
From a single food truck to a chain with multiple locations, restaurant insurance scales, but the risk profile is different at every level.
- Full-service restaurants and bistros
- Quick-service and counter-service
- Bars, pubs, and lounges (with liquor exposure)
- Food trucks and mobile vendors
- Catering and event services
- Ghost kitchens and delivery-only operations
What's typically included
Standard restaurant policies bundle property, liability, and a few category-specific extensions. Liquor liability is a big one, and it's not optional if you serve alcohol.
- Commercial general liability + slip-and-fall
- Liquor liability (host and dram shop)
- Property: building, contents, kitchen equipment
- Equipment breakdown (walk-ins, fryers, ovens)
- Food spoilage from power loss
- Business interruption for closures and forced shutdowns
- Crime and employee dishonesty
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What moves the premium
What you cook, what you serve, and what hours you operate are the main rate drivers. A late-night bar with a deep fryer is a different conversation than a daytime café.
- Liquor sales as a percentage of revenue
- Operating hours (late-night raises rates)
- Seating capacity
- Cooking method (no-fryer vs. open flame vs. wood-fired)
- Years of operating history
- Past slip-and-fall and liquor-related claims
Ready for a quote on restaurant insurance? Talk to a real broker who specializes in it.
Frequently Asked Questions
How much does Restaurant Insurance Cost?
Restaurant insurance premiums depend on what you cook, what you serve, and what hours you operate. Underwriters look at:
- Business Size & Location
- Projected Revenues
- Product or Services being provided
- Years of Experience
- Previous Insurance Claims
What does Restaurant Insurance cover?
Standard restaurant policies bundle property, liability, and a few category-specific extensions. Liquor liability is non-optional if you serve alcohol. Coverage usually includes:
- Commercial General Liability Insurance
- Commercial Property Insurance
- Liquor Liability Insurance
- Product Liability Insurance
- Cyber Liability Insurance
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
Still have questions? We'll quote it, explain it, and let you decide.
Who needs Restaurant Insurance?
Whether you own delivery only or dine in restaurant, we understand the complexities that come with owning a business in the food industry. a retail business or construction company it's no secret that unexpected issues can quickly arise, regardless of the services you provide you'll need a strong insurance policy to keep your new business protected. Our Brokers are going to work with you directly and offer you a simple, yet complex insurance policy that meets all of your business needs that insures you in the best way possible. We've insured thousands of entrepreneurs. Some of the types of restaurants we've insured includes:
- Dine In Restaurants
- Bars & Nightclubs
- Cafes & Coffee Shops
- Ghost Kitchens
- Caterers
- Food Trucks & Pop Up Shops
Other Insurance We Offer
We're partners with over 120 Canadian insurance providers and cover the full range of personal and commercial insurance. If you need it, we likely write it.
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