Restaurant Insurance in Ontario
Insurance coverage for restaurants, cafés, takeout businesses and other food-service operations across
Ontario.
Insurance for Your Restaurant
Running a restaurant involves risks ranging from customer injuries and kitchen fires to equipment breakdowns and lost income following property damage.
Humberview Insurance helps Ontario restaurant owners compare insurance options and build coverage around their property, equipment, operations and liability exposures.
Types of Restaurants We Insure
| Restaurants | Quick Service | Specialty Food Businesses |
|---|---|---|
| Full-service restaurants | Fast-food restaurants | Bakeries |
| Licensed restaurants | Takeout restaurants | Pizzerias |
| BBQ restaurants | Cafés and coffee shops | Catering businesses |
| Buffet restaurants | Food-court businesses | Concession businesses |
Restaurant Insurance Coverage Options
| Property Coverage | Liability Coverage | Income & Equipment Coverage |
|---|---|---|
| Building — Covers the restaurant building when owned by the business | Commercial General Liability — Customer injury and property damage claims | Business Interruption — Lost income following insured property damage |
| Contents — Furniture, kitchen equipment and other business property | Product Liability — Claims involving food or products sold by the restaurant | Equipment Breakdown — Certain sudden mechanical or electrical breakdowns |
| Stock — Food, beverages and other restaurant inventory | Liquor Liability — Liability associated with serving alcohol | Food Spoilage — Loss of refrigerated or frozen stock following certain insured events |
| Sewer Backup — Certain damage caused by a sewer or drain backup | Tenant’s Legal Liability — Damage to rented premises for which the restaurant is legally responsible | Crime Coverage — Certain losses involving theft, robbery or employee dishonesty |
What Affects the Cost of Restaurant Insurance?
| Business & Operations | Property & Equipment | Insurance History & Coverage |
|---|---|---|
| Type of Restaurant — The style of food service and cooking performed | Building Details — Age, construction and updates to major systems | Claims History — Previous losses can affect eligibility and pricing |
| Annual Sales — Revenue and customer volume help determine exposure | Cooking Equipment — Deep fryers, grills and open-flame cooking | Coverage Limits — Higher limits generally increase the premium |
| Alcohol Sales — Serving alcohol creates additional liability exposure | Fire Protection — Suppression systems, alarms and inspection records | Deductibles — The amount the restaurant pays toward an insured claim |
| Delivery Operations — Deliveries can create additional automobile exposure | Stock and Equipment Values — The amount of property requiring coverage | Insurance History — Previous coverage and cancellations may be reviewed |
Why Humberview for Restaurant Insurance?
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Multiple Insurance Markets
We compare restaurant insurance options from several insurers.
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One Dedicated Broker
Work with a licensed broker who understands your business and coverage.
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Clear Insurance Advice
Understand what is covered, what is excluded and which options are available.
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Independent Since 1982
Serving Ontario businesses for more than 40 years.
Restaurant Insurance FAQs
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Is restaurant insurance mandatory in Ontario?
Landlords, lenders, franchisors and the City or municipality may require specific insurance coverage or proof of insurance before allowing a restaurant to operate.
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Does restaurant insurance cover food spoilage?
Food spoilage coverage may be available for losses caused by specified insured events, such as certain equipment breakdowns or power interruptions. Coverage depends on the policy wording.
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Do I need liquor liability insurance?
If your restaurant serves alcohol, your insurer will need to know. Liquor-related liability may be included or arranged as part of the restaurant’s liability coverage, subject to the policy’s terms.
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Does restaurant insurance cover delivery drivers?
Not automatically. Vehicles used for restaurant deliveries may require commercial auto insurance. Coverage should be reviewed whether deliveries are completed by employees or another service.
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Is business interruption coverage included?
Business interruption coverage may be added to the policy. It generally responds when operations are interrupted because of insured physical damage, subject to the policy’s limits and conditions.
Looking for Restaurant Insurance?
Restaurant insurance for food-service businesses across Ontario.
