Business Insurance
Restaurant and Hospitality Insurance in Ontario
Restaurants and bars carry exposures most businesses don't: liquor liability, food contamination, hood-and-flue fire risk, walk-in breakdown and guest injury. The right program addresses every one of them.
- Liquor liability
- Food contamination & spoilage
- Equipment breakdown
- Guest injury & assault & battery
Who this is for
- Full-service restaurants
- Bars, lounges and nightclubs
- Quick-service and takeout
- Caterers and food trucks
How BrokerUnion helps
- Confirm liquor limits match your AGCO licence
- Add equipment breakdown for walk-ins and HVAC
- Address hood-and-flue maintenance requirements
- Coordinate with payroll-rated WSIB obligations
FAQ
Common questions
Do I need liquor liability if I have CGL?
Yes. CGL typically excludes liquor-related claims. Anywhere alcohol is served, liquor liability is bought separately.
Ready to talk restaurant insurance?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.
More business insurance coverage
Commercial General Liability
Foundation coverage for any business.
Commercial Property Insurance
Building, contents, stock and the income they produce.
Professional Liability / E&O
Protection for the advice you sell.
Cyber Liability Insurance
When the breach happens, who picks up the phone?
Contractors Insurance
Built for trades and construction.
Retail Insurance
Storefront, stock and customers.
Manufacturing Insurance
Plant, stock, equipment and product.