Restaurant Insurance2020-01-09T15:11:12-05:00

Restaurant Insurance

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

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Hi, my name is Max, and I’m a commercial insurance broker who specializes in coverage for restaurants and bars.

As a restaurant or bar owner in Canada, I’m sure you’re well aware of the risks faced by your business. Allegations of food poisoning, a client that has too many drinks and drives home, even a client that falls and slips on his way to the bathroom. These are just a couple of examples of situations where you could be the target of a lawsuit.

Some common types of food and drink businesses that seek insurance are bars, pubs, takeout restaurants, coffee shops, caterers, and more. Regardless of your restaurant type or how careful you are to avoid an accident, the fact of the matter is that accidents happen, and the costs can be so high that they could actually put you out of business.

So, what types of insurance do restaurants or bars need?

Starting with Commercial General Liability as to the most basic coverage. This is what provides protection for bodily injury and property damage caused to a third party. If you’re looking to enhance your package, you can also look at adding property coverage. This could provide protection for your equipment and inventory in the event of an insured accident. Further, business interruption coverage. This coverage is extremely important and pays you for the loss of income that could be incurred due to an insured disaster, such as a fire or flood. Additional coverage can always be added to your basic policy, and I suggest you chat with your commercial insurance broker for further advice and options.

A common concern for restaurant owners is often the cost of insurance. So, let me tell you about a few of the factors that come into this. Firstly, the number of years of experience in the restaurant, bar, or food services industry, as well as the projected revenue, the location of your restaurant, and of course, the coverage and limits requested.

To get an accurate price for your restaurant or bar insurance, hop on over to, press ‘Get A Quote,’ answer a couple of questions, and you’ll be well on your way to securing insurance for your restaurant or bar.

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.

Restaurant Insurance Coverage

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
Restaurant Insurance Requirements

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
Restaurant Insurance Costs

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

customer falls in restaurant

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

restaurant guests negligence

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

Salad gone bad

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.

Frequently Asked Questions about Restaurant Insurance

Is liquor liability an important coverage for my restaurant?2019-06-10T15:50:34-04:00

If you serve alcohol at your restaurant, you may consider adding liquor liability to your insurance policy. You may be held liable if you serve alcohol to a customer who causes an accident and the alcohol is deemed to be a contributing factor in the incident. Restaurant employees are also required to ensure that they do not serve alcohol beyond the point of intoxication, which is an extremely difficult requirement to keep track of.

Do I need equipment breakdown coverage?2019-06-07T17:33:01-04:00

Yes. This is an extremely important coverage for restaurant owners. It protects your business from cases of mechanical and electrical breakdown of major pieces of equipment (e.g., boilers, coolers, refrigerators, air conditioners). The policy covers the repair or replacement of the equipment, and there is also a limit associated with food/drink spoilage. Note that equipment breakdown is not included under property coverage.

Are employee theft and regular theft covered under Crime Insurance?2019-06-07T17:31:59-04:00

Crime Insurance protects your business from employee theft including stolen cash and credit card forgery as well as loss of money and securities inside and outside of the premises. Regular theft, however, is included under the property portion of a policy. Ensure that you have both added to your Restaurant Insurance policy.

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