Restaurant Insurance
Insurance for Your Restaurant
Restaurants can be one of the most challenging businesses to run, due to the many risks involved in day-to-day operations. Business owners require a solid restaurant insurance policy to help mitigate risks and navigate the inevitable ups and downs of the industry for a multitude of establishments, including fast food chains, fine cuisine, nightclubs/bars and cafés.
How Does Restaurant Insurance Protect Your Business?
Québec’s restaurant scene offers a wide variety of food options that promises everything from a scrumptious lox and bagel to French cuisine. As well as serving food to customers, a restaurant owner must secure an insurance policy to avoid potential legal fees, repairs costs, and more. Restaurant insurance can cover costs associated with property, liability, and cyber protection.
Why Do You Need Restaurant Insurance in Québec?
To maintain a sustainable business, a restaurant insurance policy protects you when common situations occur, including kitchen equipment breakdown, food poisoning or allergic reactions, and liability claims that could lead to huge legal fees.
Main Coverage for Restaurant Insurance
Commercial property insurance
Protection against costs associated with damage to your restaurant’s building caused by fire, theft, and storms.
Commercial general liability (CGL)
Covers you from third-party bodily injury or property damage and temporary closures. Legal and medical fees.
Product liability insurance
Protects you if your customers sue you for alleged food poisoning or an allergic reaction due to the food you serve.
Cyber liability insurance
Keeps your restaurant bookings, staff information protected from hacking, phishing and other cybercrime.
Additional Coverage Options for Restaurants
There are other policy options to protect your service business, including liquor liability insurance, equipment breakdown insurance, and commercial auto insurance. Also, if you have a wine or art collection you may need extra coverage to protect your valuables.
Policy Add-Ons
Liquor liability insurance
Provides protection in case of intoxication-related incidents.
Equipment breakdown insurance
Covers costs to repair or replace appliances, and other business equipment.
Commercial auto insurance
This type of insurance is necessary if you deliver food or use vehicles for other business activities. Ask one of our expert restaurant insurance brokers for advice.
Serving your Business Insurance Needs for 50 Years
Our Brokers Go the Extra Mile
Our brokers go the extra mile to find policy options that suit your business insurance needs.
Insurer Partnerships Get You Competitive Rates
We are fortunate to have 10 insurer partners to help us find competitive rates and policy options for our dedicated customers.
More than 50 Years of Excellent Service
Since 1965, Ciccarello Assurances has provided clients with reliable insurance.
We Are AMF-Certified
As an AMF-certified insurance brokerage, we provide superior service to our customers living in Québec.
FAQ
Restaurant insurance is not mandatory for restaurant owners operating in Canada; however, it is an essential part of the success of your restaurant business because of the coverage it provides for common risks. Ask one of our experienced brokers to see what individualized insurance options you need for your restaurant to ensure you have adequate coverage.
There are many factors that can affect your premium as a restaurant owner. The location and size of your business, your claims history, and more, will impact your insurance rate. For overall cost of insurance, you can also refer to your deductible amount, which is the dollar amount you payout after you submit a claim. Often if you raise your deductible, your premium will be reduced.
Some common hazards that restaurant insurance protects you and your business from, include:
- Injuries to customers and employees
- Theft/fire
- And more
Food trucks typically require special coverage other than the insurance coverage provided by a restaurant insurance policy. Typically, a food truck insurance policy will include liability insurance (in case customers get food poisoning, for example), and general liability insurance for common slip and fall incidents. Regardless of where you set up a food truck, it’s recommended you speak to one of our dedicated brokers to learn more about the protection your food truck needs.
Competitive Rates, Impeccable Service
We understand the unique needs of the restaurant industry. We’ll work with you to create a policy that meets your specific needs and budget. Don’t wait until it’s too late – contact us today to learn more about our restaurant insurance solutions and how we can help you keep your business running smoothly.
5993, rue Jean-Talon E. suite 202
Montréal (Québec) H1S 1M5(514) 253-8960
5305 Notre-Dame Blvd, suite 208
Laval (Québec) H7W 4T8(514) 253-8960
7655 Newman Blvd, suite 302
LaSalle (Québec) H8N 1X7(514) 253-8960