Protect your restaurant from property damage, equipment breakdown, client injuries and liquor liability claims with Restaurant Insurance.
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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 www.zensurance.com, 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?
Restaurant Insurance is a policy package that is designed to provide financial protection for those working in the food services industry by covering the costs associated with common risks, such as property damage, equipment breakdown, client injuries, and liquor liability claims.
Who needs Restaurant Insurance?
If you serve or sell any form of food or drink, you should consider protecting your business with a restaurant insurance policy package.
Some of our clients in the food services industry include:
- Nightclubs and Bars
- Takeout and Delivery Companies
- Caterering Companies
- Cafes and Coffee Shops
- Food Trucks
What is the cost of Restaurant Insurance?
We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.
When you fill out our online application, we will ask some questions about your business to help better understand your needs.
The following factors are taken into consideration when determining the best policy options for you:
- Years of Experience
- Business Size and Location
- Annual and Projected Gross Revenue
- Number of Employees
- Previous Insurance Claims
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
Problem: A customer slips on a spilled drink and injures their wrist.
Outcome: The customer successfully sues you for bodily injury. Your Commercial General Liability (CGL) policy covers both the legal fees and medical expenses, totaling $7,500.
Problem: Following a kitchen fire, you have to temporarily close your restaurant during repairs.
Outcome: Your Commercial Property Insurance covers the cost to restore the kitchen and your Business Interruption Insurance covers the income lost during the time you were closed, in addition to your staff’s wages, totaling $55,000.
Problem: A power surge at your restaurant causes the refrigerator system to shut down, spoiling all of the produce.
Outcome: Your Equipment Breakdown Insurance covers the cost to repair the refrigerator system and replace the produce, totaling $24,000.
Frequently Asked Questions about Restaurant Insurance
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