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Restaurant Insurance Overview

restaurant insurance overview

Restaurant Insurance Overview

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Restaurant def: is a business which prepares and serves food and drinks to customers in exchange for money. Meals are generally served and eaten on the premises, but many restaurants also offer take-out and food delivery services, and some only offer take-out and delivery. Restaurants vary greatly in appearance and offerings, including a wide variety of cuisines and service models ranging from inexpensive fast food restaurants and cafeterias to mid-priced family restaurants, to high-priced luxury establishments. Source: Wikipedia

Who Needs Restaurant Insurance?

The Canadian restaurant industry is comprised of over 94,290 facilities employing more that 1.2 million Canadians. As going out to a restaurant is the number one preferred activity for spending time with family and friends, it is imperative that you ensure that you have the right insurance coverage for your establishment. If you own and/or operate a restaurant then you need to speak to an experienced broker to assist with your unique insurance needs.

Some organisations that need restaurant insurance include, but are not limited to;

  • Restaurants
  • Fast food diner
  • Coffee shop
  • Food trucks
  • Pubs
  • Reception halls
  • Micro-breweries

What Does Restaurant Insurance Cover?

As restaurants range from inexpensive and informal dining places with modest food served in simple settings at low prices, to higher priced, fine dining establishments serving refined food and fine wines in a formal setting, it is important that you have the right insurance coverage that is tailored to the unique needs of your establishment. Restaurant insurance shares many of the same coverage provided by many commercial property and general liability policies, but also includes coverage for the liability arising from the serving of alcohol.

Common Restaurant Insurance Claims

Common restaurant insurance claims include, but are not limited to;

  • Food poisoning
  • Scalding
  • Broken teeth
  • Choking
  • Puncture wounds

Real Canadian common restaurant insurance claims examples to illustrate the need for specialized insurance;

  • A patron falls down a flight of stairs at your establishment and injures themselves due to a faulty hand rail.
  • A patron consumes alcohol at your establishment, and on the way home is involved in an at fault car collision to which alcohol was a contributing factor.

For A Restaurant Insurance Overview And/Or More Information On Common Restaurant Insurance Claims Speak To An ALIGNED Insurance Advocate Or Connect With Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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