Restaurant Insurance2019-10-18T14:56:09-04:00

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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Consultant Insurance

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 Consultant Insurance cover?

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 the cost of Consultant Insurance?

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 Consultant Insurance?

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!

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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.

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