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Business insurance for Ontario restaurant owners
From busy downtown kitchens to authentic farm-to-table eateries, restaurant owners across Ontario deliver an ever-evolving multicultural variety of delicious gastronomic experiences.
Whether bustling restaurants located in big cities like Toronto, Ottawa, Mississauga, and Kingston or charming grills and diners in smaller cities and rural areas like Guelph, Windsor, Huntsville and Bancroft, Ontario’s restaurateurs offer a variety of culinary options to explore.
However, restaurant owners also face considerable liability risks. From slip-and-fall accidents to a customer suffering an allergic reaction to the threat of fire, every restaurant of any size in Ontario needs a comprehensive restaurant insurance policy to help them recover from unexpected accidents, damage, and loss.
Common claims scenarios
Problem: A customer entering your restaurant in Stratford trips over an uneven surface, falls, and is injured.
Outcome: Your commercial general liability insurance may cover the injured customer’s medical expenses.
Problem: A fire ignites in the kitchen of a steakhouse in Chatham-Kent overnight, inflicting significant damage to the building and contents. You’re forced to close for several weeks while repairs are underway.
Outcome: Your commercial property insurance may pay for the damages to repair and restore the kitchen and its contents. If you also have business interruption insurance, it may cover your overhead expenses while closed for repairs.
Problem: A customer becomes intoxicated at your bar in Thunder Bay. While driving home, they’re involved in a car accident that injures another motorist.
Outcome: Your liquor liability insurance may cover the injured motorist’s medical and rehabilitation fees up to the policy’s coverage limit.
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Protect your restaurant, finances, and reputation with a comprehensive restaurant insurance policy from Zensurance.
Filling out our online application for a free quote only takes a few minutes. Our knowledgeable brokers will shop our partner network of over 50 insurance providers to find the low-cost coverage you require and customize it to suit your needs and budget.