Restaurant Insurance2019-06-07T18:42:20-04:00

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.

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.

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

Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Lloyds of London Insurance
Trinity Underwriting Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Travelers Business Insurance Canada
Business Insurance Zen Man

Ready To Start? Let’s Get a Quote!

Getting an 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.