BC Restaurant Insurance

Restaurant Insurance BC

Customized, low-cost insurance for restaurant owners across British Columbia

Zensurance - Restaurant Insurance - British Columbia

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BC Restaurant Owner

Insurance for B.C. restaurants

Running a successful restaurant by delighting your customers with outstanding culinary adventures and building your reputation is challenging.

For restaurant owners in the Lower Mainland to Vancouver Island, the Kootenay to Caribou regions, and the Northeast to the North Coast regions, the risks of property damage caused by fire, injuries to customers from foodborne illnesses, and unexpected incidents beyond your control can put you out of business.

Zensurance is the top choice for restaurant owners in B.C. due to its comprehensive coverage options, low cost, tailored policies, and unparalleled customer service. We insure thousands of B.C.-based restaurants and small businesses to help them safeguard their finances and protect their employees’ jobs.

Restaurant Insurance, Explained

Restaurant insurance is a policy containing several coverages, each designed to help you recover from unanticipated damages and losses that can take a bite out of your bottom line and potentially put you out of business.

Passion, exemplary customer service, and culinary excellence are all essential ingredients for a thriving, profitable hospitality business, but so is a comprehensive risk management and insurance plan.

A customized insurance policy protects your restaurant’s financial wellness from the inherent liability risks you face.

An extensive restaurant insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage claims. Also called slip-and-fall insurance, CGL coverage is designed to pay for customer injuries or damage to their property while on your premises. Suppose one of your customers suffers a severe allergic reaction to the food you served them and requires medical attention. In that instance, CGL insurance may cover the injured patron’s medical expenses, for which you could be liable.
  • Commercial Property Insurance: Commercial property insurance covers damages to your restaurant, business contents, and inventory caused by fire, water, natural disasters, theft, and vandalism. For example, wildfires have increasingly become an existential threat to business owners throughout B.C. who don’t have commercial property insurance. With commercial property insurance, damage caused by a wildfire to your premises, business contents, and inventory may be covered.
  • Product Liability Insurance: Often included with general liability insurance, product liability insurance pays for third-party bodily injuries and third-party property damages resulting from the foods you make, serve, and sell. It can be added to your policy if not included with general liability insurance. It is critical to include whether your kitchen staff concocts a dish or ingredient from scratch or uses processed foodstuffs made by a supplier.
  • Business Interruption Insurance: An insurable loss such as a kitchen fire that forces you to close your eatery temporarily for repairs usually results in a loss of income. Business interruption insurance is the financial lifeline to cover lost income, utility bills, lease or mortgage payments, loans, and employee payroll. If it’s not automatically included, your restaurant must have commercial property insurance to add business interruption coverage to your policy.
  • Liquor Liability Insurance: If your establishment serves alcohol, you’re legally required to have liquor liability insurance to cover your liabilities arising from the sale or service of alcoholic beverages to the public. Although specific regulations vary by province, any restaurant or food service establishment selling liquor can be liable for damages and injuries to or caused by an individual who becomes intoxicated on your premises. 
  • Equipment Breakdown Insurance: Every restaurant has expensive commercial appliances, like refrigerators, freezers, ovens, stoves and grills. They also have HVAC systems, office equipment, and computers. If any of these items cease to operate because of an internal mechanical or electrical malfunction, equipment breakdown insurance is designed to pay for repairing or replacing that equipment.
  • Cyber Liability Insurance: Your restaurant’s digital assets are at risk of a cyber-attack or data breach. Your website, email account, social media accounts, point-of-sale (POS) system, and cloud storage systems could be hacked and confidential data stolen or compromised. Cyber liability insurance covers your recovery costs if your restaurant becomes a victim of cybercrime due to a phishing attack, ransomware attack, POS intrusions, data breaches and other digital crimes. It includes coverage for legal advice, credit monitoring, software restoration, crisis management fees, and losses sustained due to a system outage because of a cyber-attack.

What a comprehensive restaurant insurance policy costs depends on multiple factors about your establishment. Managing expenses is crucial for restaurant owners, which is why thousands of B.C.-based restaurants trust Zensurance to get them customized, low-cost protection with flexible payment options.

Insurance providers determine the cost of an insurance policy based on your business’s specific details, including:

  • The location of your restaurant
  • Your years of experience as a restaurant owner
  • The value of the equipment you have on the premises
  • Whether or not you serve alcohol
  • Your annual and projected gross revenue
  • How many employees you have
  • Previous insurance claims

Yes. All restaurant and food service businesses in B.C. need insurance to protect their finances and reputations. One accident, incident, lawsuit, or unforeseen event can devastate your financial resources and permanently put you out of business.

A low-cost restaurant insurance policy from Zensurance is applicable for:

  • Fine dining establishments
  • Fast food restaurants
  • Diners
  • Supper clubs
  • Bistros
  • Pizzerias
  • Cafes and coffee shops
  • Speciality drink shops
  • Bakeries
  • Contemporary casual dining eateries
  • Pubs and bars
  • Buffet restaurants
  • Concession stands and food trucks
  • Ghost restaurants
  • Pop-up restaurants

Getting insured is quick and easy!

Complete our 5-minute online application for a free BC restaurant insurance quote.

Common claims scenarios

BC Wildfire

Problem: A wildfire near your casual dining restaurant in 100 Mile House causes significant smoke and fire damage to your property and inventory, forcing you to close for repairs.

Outcome: Commercial property insurance may cover the smoke and fire damage repairs to your building, business contents, and inventory. Business interruption insurance may cover your lost income and overhead until repairs are completed and you can reopen.

Food poisoning

Problem: A customer who ate at your cafe in Victoria claims they suffered food poisoning at your establishment and required medical attention. They threaten legal action.

Outcome: Product liability insurance may cover the customer’s medical expenses and your legal defence fees, settlement, or judgment against you.

chefs kitchen

Problem: The commercial freezer in your fast food restaurant in Langley ceases to work overnight following a power surge that damaged it. All of the frozen foodstuffs in the freezer have to be replaced.

Outcome: Equipment breakdown insurance may cover the repair cost for your commercial freezer and replace the value of the damaged perishable goods stored in it.

Frequently asked questions

Do restaurant owners need to add ‘umbrella insurance’ to their policies?

Umbrella liability insurance provides additional liability coverage for damages exceeding your general liability or commercial auto insurance coverage limits following a claim or lawsuit. Speak to a licensed Zensurance broker to determine if you should add this extra layer of protection to your policy.

Does restaurant insurance cover legal expenses if I’m sued?

Yes. A customized restaurant insurance policy from Zensurance includes coverage for the business owner’s legal advice and defence expenses if threatened with legal action, liability claims, or taken to court. Policies usually include coverage for court costs, settlements, or judgments awarded to a plaintiff up to your policy’s coverage limit.

What does a restaurant owner need to do if they have to file an insurance claim?

If you need to file a claim for damages or losses to your restaurant, contact Zensurance immediately by calling us toll-free at 1-888-654-6030 or emailing us at claims@zensurance.com. Our dedicated claims team will guide you through the claims reporting process. You will need to provide the name of the restaurant, the business owner’s or policyholder’s name, a description of the damages, a police report (if applicable), and any photos or videos you have of the damages.

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Ready to start? Let’s get a quote!

Whether purchasing a restaurant insurance policy for the first time or exploring your options to enhance your existing protection at a lower cost, Zensurance specializes in helping B.C. restaurant owners and food service providers get the customized coverage they need to thrive.

Fill out our online application for a free quote.

You have enough to worry about. Let us help you navigate the complexities of getting the low-cost, comprehensive protection you need from one of more than 50 insurers in our partner network.

Our team of experienced insurance brokers will guide you every step of the way and ensure you get the right coverage to protect your restaurant at an affordable price.