Partner – Syzl

Welcome, Syzl Food Makers!

Canada’s No. 1 small business insurance brokerage, Zensurance, has partnered with Syzl to help you save on business insurance.

Get a free, low-cost insurance quote today! It’s easy, hassle-free, and takes only a few minutes.

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Insurance for Syzl makers

Syzl makers are always in high demand. 

Whether you rent a Syzl kitchen to prepare food or for any other reason, even if you follow recommended best practices, you face a broad range of liability risks. 

A customized, low-cost business insurance policy from Zensurance is designed to protect Syzl makers of all types to protect their finances and reputations.

Your attention should be focused on delighting your customers, not the risk of a liability claim. 

A customized business insurance policy from Zensurance for Syzl makers is crafted to protect you and your business from the risks you face, whether you’re a professional chef, photographer, or other type of profession. 

Whether you accidentally damage kitchen equipment you don’t own, or a customer suffers an allergic reaction to food you prepared, a single liability claim or third-party lawsuit could cost you several thousands of dollars and threaten your financial survival.

Personal or private chef insurance provides a diverse package of coverages to protect your business from unforeseen risks. A comprehensive personal chef insurance package typically includes the following:

  • Commercial General Liability (CGL) Insurance: CGL is essential to protect your business from everyday mishaps. For instance, CGL protects against third-party bodily injury and property damage claims. Commonly called “slip-and-fall” insurance, it provides you with financial support for claims or lawsuits because of accidents or negligence.
  • Commercial Property Insurance: Commercial property insurance covers you and your business, whether you rent or own the property where you prepare your meals. An insured peril, or an accident covered by your insurance policy, includes theft, fire, flood, vandalism, and damage or loss from extreme weather.
  • Professional Liability Insurance: Professional liability insurance, also referred to as errors and omissions (E&O) insurance, will protect you against claims that you failed to deliver a service, including allegations of misconduct or negligence. For instance, a client is following a food plan a nutritionist has recommended. As their personal chef, you prepare meals that follow this plan but one food item causes your client to have a bad reaction so they decide to sue you for negligence. Professional liability insurance may cover your legal fees and their medical expenses
    • If you are serving alcohol alongside with your prepared meals,  you will need to have liquor liability coverage as well.
  • Product Liability Insurance: Product liability insurance is necessary if you sell any products, food supplies, or beverages to your client. Sometimes, this coverage is included in a CGL policy. If it isn’t, you can add it to your policy. It protects against third-party claims of personal injury or property damage for any product you manufacture, distribute, or sell, including food.

There are several factors considered by insurance providers when determining the price of your policy. These include:

  • The services you offer
  • How many employees you have
  • Your business’s location
  • Years of experience
  • Your insurance claim history
  • The coverage limits and deductibles you choose
  • Your annual gross and projected revenue

Let’s Get the Coverage You Need for Your Business

A comprehensive business insurance policy contains different coverages. Zensurance offers many types of insurance, so it’s easy to customize the policy you need.

Common claims scenarios

chef working in kitchen

Problem: You inadvertently damaged a stovetop in a Syzl partner’s kitchen.

Outcome: Commercial general liability insurance may cover the damages to repair or replace the stovetop.

Setting up wedding dining table

Problem: Vegan pastries you prepare for a customer’s private party include an ingredient that causes some of the customer’s guests to suffer food poisoning. The customer threatens legal action.

Outcome: Product liability insurance may cover the medical expenses of those who fall ill.

chefs kitchen

Problem: A customer visits the Syzl kitchen you’re using to prepare their menu but slips and falls on a wet floor and is injured.

Outcome: Commercial general liability insurance may cover the injured customer’s medical and rehabilitation expenses and your legal defence fees if you’re sued.

Frequently asked questions

Does Syzl maker liability insurance cover my legal defence costs if I’m sued?

Yes. Liability insurance typically covers legal defence costs, including attorney fees, court expenses, and settlement payments. Paying for legal defence can be substantial, even if a lawsuit is unsuccessful or without merit.

How much liability insurance should I buy?

The amount of coverage, or your policy’s coverage limit, depends on your risk exposure and other factors, such as your annual revenue and the services you provide. A licensed Zensurance broker can advise on how much coverage you require.

Does Syzl maker insurance also cover independent kitchen and serving staff I hire short-term?

No. Your policy only covers you and your full-time employees. Independent kitchen staff or other professionals you hire short-term should have their own insurance coverage.

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Ready to start? Let’s get a quote!

You create meals that nourish, entertain, and delight your guests. You should have a tailored insurance policy that protects your business and assets.

Get an instant price for your liability insurance needs by filling out our online application.

We’ll shop our partner network of over 50 insurance providers to get the low-cost policy you need and a certificate of insurance quickly and hassle-free.