Restaurant Insurance

Restaurant Insurance (or Bar Insurance) can protect you against property damage, possible food poisoning, liquor liability or client injuries.

Join thousands of Canadian businesses that are already protected!


What is Restaurant Insurance ?

Running a restaurant, diner, pub or nightclub is hard work!

You probably put a lot of thought into your decorations, food and drinks menu, finding the best suppliers and ingredients.
Regardless of the care and attention you put into it, there is always the risk a customer could get sick or have an allergic reaction due to the food, get intoxicated with alcohol or even injure themselves falling down the stairs to the washrooms in the basement.

Getting Restaurant Insurance, (aka. Food Service Insurance) can protect you against possible client lawsuits in case such events happen.

What does Restaurant Insurance cover?

Restaurant & Bar Insurance can cover your business in case of client injuries (ie. food poisoning, food allergies, injuries due to falling) or liquor insurance in case your client drinks too much and harms themselves or others.

Make sure your insurance policy includes:

  • Liquor liability
  • Food contamination liability
  • Specific peril insurance

What is not covered?

Since Restaurant Insurance can be limited in it’s scope, you might want to consider extra coverage such as:

Who needs Restaurant Insurance?

If you serve and sell any form of food or drink, you should consider restaurant insurance coverage.  The following businesses typically need coverage:

  • Bars
  • Pubs
  • Takeouts
  • Caterers
  • Cafeterias and Coffee Shops
  • Food Trucks
  • Pizzerias
  • Night clubs

What is the cost of Restaurant Insurance?

Restaurant Insurance premiums can vary according to factors such as:

  • Experience in the restaurant or food industry
  • Date of construction and type of premises
  • Fire protection devices
  • Seating capacity
  • Previous insurance claims

If you’re ready, get a free insurance quote online in just a few minutes!

Getting insured
is quick and easy!

If restaurant insurance is what you need,
request a free quote now >

Common scenarios where Restaurant Insurance is useful:


A client visits your restaurant and injures their hand when sitting down and their chair breaks.


A client has had too many drinks and drives home. He gets into a car crash injuring himself and others.


A client orders a salad with Romaine lettuce and gets sick with E. coli. Even if you bought the lettuce from a 3rd party you can still be liable.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

Intact Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Trisura Small Dusiness Insurance
Trinity Underwriting Business Insurance Canada
Business Insurance Zen Man

Ready To Start? Let’s Get a Quote!

Getting an e-commerce insurance quote shouldn’t be complicated!

At Zensurance we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.