Food & Hospitality

Restaurant Insurance in Ontario

Service covered front of house to back.

Restaurants stack the sector's full risk deck: kitchen fire, food-borne illness, slips in the dining room, liquor service, staff turnover, and margins that a two-week closure can erase.

We insure restaurants from QSR to fine dining, with interruption coverage that reflects how thin the buffer really is.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Product liability for goods you make, sell, or distribute
Liquor liability for serving or selling alcohol
Commercial property coverage for your premises and leasehold improvements
Equipment breakdown for essential machinery and systems
Business interruption to replace lost income after a covered loss
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

What does a restaurant policy cost in Ontario?: Drivers are sales volume, alcohol ratio, cooking style (fryers and solid-fuel raise it), and claims history. A modest takeout might start around a few thousand a year; licensed full-service runs higher. We quote across our panel to find your market.
How much does restaurant 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 restaurant 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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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Product liability for goods you make, sell, or distribute

Liquor liability for serving or selling alcohol

Commercial property coverage for your premises and leasehold improvements

Equipment breakdown for essential machinery and systems

Business interruption to replace lost income after a covered loss

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

What does a restaurant policy cost in Ontario?

Drivers are sales volume, alcohol ratio, cooking style (fryers and solid-fuel raise it), and claims history. A modest takeout might start around a few thousand a year; licensed full-service runs higher. We quote across our panel to find your market.

How much does restaurant 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 restaurant 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.