01
Commercial general liability
Responds to covered allegations of customer injury or property damage, including slips, falls and food-related liability.
HomeRestaurants / Banqueting Halls
Restaurant insurance Ontario
Protect the kitchen, the dining room and the income behind them.
Insurance designed for restaurants, cafés, takeout operations, caterers and banquet halls. Risk Care helps arrange commercial property, general liability, liquor liability, equipment breakdown, spoilage and business interruption coverage.
Restaurants, cafés and venues
Coverage built around hospitality risks
02
Property and equipment
May cover the building, tenant improvements, kitchen equipment, furniture, stock and signs for insured loss or damage.
03
Liquor liability
Important when alcohol is sold, served or permitted. Underwriters review liquor sales, service hours, training, security and licence history.
04
Business interruption
May replace covered lost income and continuing expenses while the restaurant recovers from an insured property loss.
05
Equipment breakdown and spoilage
Can address insured mechanical or electrical breakdown and resulting loss of refrigerated or frozen stock.
06
Crime, cyber and delivery
Optional protection may be needed for employee dishonesty, POS systems, online ordering, funds transfer and owned or non-owned delivery vehicles.
Coverage varies by insurer. Limits, deductibles, sublimits, warranties, protective safeguards and exclusions must be reviewed before binding.
Why details matter
A complete application helps avoid delays
1
Describe the operation
Cuisine, seating, hours, entertainment, delivery and catering affect the risk.
2
Document fire protection
Cooking fuel, fryers, hood construction, cleaning and suppression servicing are central underwriting details.
3
Set realistic values
Use replacement values for equipment and improvements and realistic recovery time for business income.
4
Upload the policy file
A prior policy, loss runs, lease and service certificates help the broker check coverage and approach insurers.
Simple restaurant application
Request a quote
Fields are grouped to reduce repetition and align the submission with Canadian commercial-lines hospitality data.
- Business and location
- Sales and operations
- Cooking and fire protection
- Building and values
- Claims history
- Upload documents
Questions? Call 905-672-9172.
Restaurant insurance FAQs
What information is needed for a restaurant insurance quote?
Insurers generally need location and building details, annual sales and payroll, seating, cooking and suppression information, alcohol and entertainment exposure, replacement values, current insurance and claims history.
Does restaurant insurance cover food spoilage?
Spoilage may be available, often with equipment breakdown or another endorsement. Confirm the covered causes, deductible and sublimit.
Do delivery vehicles need separate insurance?
Owned vehicles generally require commercial auto insurance. Employee or third-party delivery can create non-owned auto and contractual exposures that should be disclosed.