Food & Hospitality

Chef Insurance in Ontario

Your knives, their kitchen, proper coverage.

Personal and private chefs cook in client homes and rented kitchens — food-borne illness claims, damage to a client's kitchen, and allergen incidents at intimate dinners where the stakes are personal.

We insure personal chefs, meal-prep services, and culinary instructors, with coverage that follows you into any kitchen.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Product liability for goods you make, sell, or distribute
Coverage for work in client and rented kitchens
Tools and equipment coverage, on site and in transit
Commercial auto for business vehicles

Good to know

Frequently asked questions

Am I covered cooking in a client's home kitchen?: Yes — with in-home service declared, both the food liability and damage to the client's kitchen (that fire-under-the-range moment) are covered. It's the wording that separates chef policies from restaurant ones.
How much does chef insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get chef insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Am I covered cooking in a client's home kitchen?

Yes — with in-home service declared, both the food liability and damage to the client's kitchen (that fire-under-the-range moment) are covered. It's the wording that separates chef policies from restaurant ones.

How much does chef insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get chef insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.