Restaurant insurance for kitchens, bars and cafés
Kitchen fires, slip-and-falls, spoiled stock and liquor liability. We compare insurance for restaurants, cafés, pubs and caterers, built around how you actually operate.
What does restaurant insurance cover?
Restaurant insurance is a package designed for food and beverage businesses. It typically combines property coverage for your building, equipment and stock, general liability for customer injuries, liquor liability if you serve alcohol, and business interruption.
Every restaurant is different, from a quick-service café to a late-night sports bar. We match your coverage to your menu, hours, entertainment and cooking equipment, so the policy responds when you need it.
Who it’s for
- Restaurants and cafés
- Pubs and sports bars
- Fine dining
- Take-out and quick service
- Caterers
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
General liability
Covers customer injuries such as slips and falls, and damage to others’ property.
Liquor liability
Protects you if an intoxicated guest you served causes injury or damage.
Commercial property
Covers your building or tenant improvements, kitchen equipment, furniture and stock.
Business interruption
Replaces lost income while you are closed after a covered loss.
Food spoilage
Pays for stock lost when refrigeration fails or power goes out.
Equipment breakdown
Covers sudden breakdown of coolers, ovens, fryers and HVAC.
Restaurant insurance: what to know
Practical points we walk every client through before they choose a policy.
If you serve alcohol under a provincial liquor licence, liquor liability is essential. Certified server training and responsible serving practices matter to insurers.
Commercial kitchens with fryers and grills need proper fire suppression and regular hood cleaning. Insurers ask about both, and they can affect eligibility.
Most commercial leases require liability coverage and insurance on your improvements, with the landlord named as an additional insured.
Live music, DJs, dance floors and late hours increase liability exposure. Disclose them so your policy actually responds.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Restaurant insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppIf you serve alcohol, it is strongly recommended and often required by your landlord or event partners. It protects you if a guest you served injures someone or damages property.
It can. Food spoilage coverage pays for stock lost when refrigeration breaks down or power fails. It is usually added as an option, so ask for it.
Most commercial leases require it. We can add your landlord as an additional insured and send them a certificate.
Drivers using personal vehicles for deliveries need proper coverage. Non-owned auto coverage helps protect your business if a delivery driver causes an accident.
Regular hood cleaning, an up-to-date fire suppression system, trained staff, security cameras and a clean claims history all help. Sharing these details with us helps us negotiate.
Get your restaurant insurance quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.