Restaurant and Bar Insurance

Friends Eating Dinner at Rooftop Restaurant

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Protect your business with Restaurant Insurance, an investment for your success.

Are you a restaurant owner? Or do you own a bar and lounge? From property damage to liability claims, it covers unexpected costs that can threaten your operation.

Click on one of the below topics to unpack your Business Insurance:

Commercial Liability

Commercial General Liability (CGL) Insurance can provide coverage for claims or legal actions made by third parties alleging harm to their body or property. For instance, if a visitor trips, falls, and sustains an injury while on your premises, CGL is intended to cover their medical expenses. Nobody wants to imagine being sued. However, accidents do happen, and if one occurs and you are found negligent, you could face a substantial settlement.

Property Insurance

Commercial Property Insurance offers financial assistance in covering the costs of property losses or damages caused by severe weather, fire, flood, theft, or vandalism. The building that houses your business is critical to its overall success. Incidents such as theft, vandalism, and adverse weather conditions can cause substantial damage to your property, resulting in significant repair expenses. You can protect your business from a major financial setback by safeguarding your most valuable assets through an insurance policy.

Business Interruption

Business Interruption Insurance is designed to protect against the financial impact of a property loss by providing coverage for lost net income. In addition to compensating for lost income, this type of insurance may also cover necessary overhead expenses such as rent, electricity, and employee payroll. For example, if your cafe experiences a kitchen fire and needs to close for restoration and repairs temporarily, Business Interruption Insurance would cover the income lost during the closure.

Equipment Breakdown

Equipment Breakdown Insurance provides coverage for repairing or replacing costly electrical or mechanical equipment damaged due to power surges, electrical shorts, or mechanical malfunctions. This type of insurance applies to various office equipment, such as computers and photocopiers, as well as the HVAC system in your building and any freezers, refrigerators, and kitchen appliances you own.

Crime Insurance

Regrettably, incidents of internal theft occur more frequently than one might anticipate. Commercial crime insurance safeguards against internal theft, fraudulent activities, and employee dishonesty. Furthermore, it provides coverage for the pilferage of funds while in transit outside your business, such as during a bank deposit. It is important to note that to avail of this coverage, you must have commercial property insurance included in your policy.

Group Benefits

Every business, regardless of size, should have a Group Benefits plan. It benefits your employees to get coverage at a reduced cost compared to most personal plans. Help reduce financial stress if something happens to protect your employees and their family’s health.

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The importance of Restaurant and Bar Insurance.

Whether serving up delectable dishes or crafting delicious cocktails, you invest your time, energy, and passion into creating memorable experiences for your patrons. However, with every business venture comes inherent risks and uncertainties. Restaurant and bar insurance is specifically designed to protect business owners like you from the unexpected costs arising from accidents, damages, or liabilities within your establishment. Coverage may include general liability coverage, property insurance, liquor liability insurance, and business interruption insurance.

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restaurant and bar insurance

How much does insurance for a restaurant or bar cost?

Insurance providers understand the unique challenges faced by the food and beverage industry and offer affordable options to suit different budgets. The cost of restaurant and bar insurance can vary based on factors such as the size of your establishment, the number of employees, the location, annual revenue, and the specific coverages you choose.

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How much does insurance cost

Craft Brewery Insurance: A guide to protect your business.

Craft breweries have seen a significant rise in popularity in recent years, with over 200 breweries operating in Canada alone. This growing industry presents unique challenges and risks that require specialized insurance coverage. As a craft brewery owner, protecting your business from potential liabilities and unforeseen circumstances is essential.


insuring craft breweries

With customizable coverage options and affordable premiums, obtaining the right insurance policy is a wise investment.

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