We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable restaurant insurance coverage tailored for you by BrokerLink.
Ever walked into your favourite restaurant just as the smell of frying onions or sizzling steak hits the air? That mix of flavour, conversation, and atmosphere is what makes Canada’s restaurant culture so special. Across the country, nearly 80,000 full-service restaurants bring people together, from cozy family diners to stylish cafés and elegant bistros. And while the industry slowed during COVID, IBISWorld reports that recovery is well underway, with revenues projected to reach $49.5 billion by 2025.
But behind every perfectly plated dish lies a patchwork of risks that every restaurant owner faces. That’s where a restaurant insurance policy comes in. It's designed to protect restaurant owners from risks like customer injuries, property damage, equipment breakdown, spoilage or contamination, and more.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
From the corner café where locals gather to the fine-dining room with a weeks-long reservation list, restaurant insurance is there to help protect the entire experience you’ve built.
Unlike basic business insurance, a comprehensive restaurant insurance policy from BrokerLink is tailored to the pace and pressures of foodservice. From protecting your ovens, refrigerators, and décor to helping if a customer slips, or a supplier issue forces you to toss spoiled stock, your restaurant insurance package is built with your unique business risks in mind.
At BrokerLink, we work with food businesses of all shapes and sizes, helping owners protect their kitchens, dining rooms, and staff. We make business insurance simple, so you can focus on your guests while we handle the coverage.
Whether you serve comfort food, five-star menus, or meals on the go, food service companies of all types and sizes need restaurant insurance, including:
View More
Canadian Business reports that 40% of Canadian small business owners don't carry insurance. For restaurants, that gap can be especially costly. Sure, each day brings the excitement of welcoming guests, the energy of a busy kitchen, and the satisfaction of serving great food. But behind the scenes, the risks are always simmering.
Hot stoves and sharp knives make accidents possible, while a compact kitchen means even a small grease fire can spiral into a six-figure loss. Meanwhile, slip-and-fall injuries can result in claims ranging from $50,000 to $150,000 or more.
Then there are the challenges you can't always see coming. A sudden power outage can lead to spoiled or contaminated food, a customer might claim your food made them sick, or a late-night break-in could leave you with thousands in damages. Any one of these could put an enormous financial strain on your business. In fact, the Insurance Bureau of Canada (IBC) notes that with the growing frequency and severity of natural disasters, combined with rising rebuilding costs, many small businesses may be underinsured without even knowing it.
In food service, no two days are the same. One evening might bring a flawless dinner rush, while the next could be interrupted by a broken freezer or an injured guest. But that's why you have insurance coverage, to keep any of those challenges from derailing your hard work. Some coverages are considered essentials for restaurant owners, while others add an extra layer of protection depending on how your restaurant operates.
Commercial general liability insurance
Commercial property insurance
Business interruption insurance
Equipment breakdown insurance
Liquor liability insurance
Commercial auto insurance
Product recall insurance
Environmental liability insurance
Spoilage and contamination insurance
Supply chain insurance
Crime insurance
Cyber insurance
Event liability insurance
General liability insurance helps protect you against claims of third-party property damage or injuries from someone who visited your restaurant. Liability insurance can help cover their medical bills and repair costs. It can also help with your legal fees and settlements.
Commercial property insurance protects your building, furniture, décor, and equipment from insured events like fire, theft, vandalism, or severe weather. It helps make sure that your physical space and tools are protected.
Business interruption insurance provides financial support if your restaurant is forced to close due to an insured event. It can cover things like lost income and ongoing expenses, such as rent and payroll.
Equipment breakdown insurance helps cover the costs to repair or replace essential equipment if it suffers a sudden mechanical or electrical failure.
If your restaurant business serves alcohol, liquor liability insurance can help protect you against related claims, including injury or damage caused by an intoxicated customer. This coverage is often a provincial requirement for restaurants and bars that serve alcoholic drinks.
Commercial auto insurance is mandatory if you use any vehicles, even your personal car, for food deliveries, catering, or supply runs. It can cover vehicle damage, liability, and accidents during business-related driving.
If your restaurant sells any food or packaged items to local grocery stores or distributors, product recall insurance helps cover costs if something you sell must be recalled due to contamination or mislabelling. It covers the costs of removal, disposal, and customer notification.
Standard general liability policies usually exclude pollution-related incidents, making environmental liability insurance particularly important for restaurants due to risks like grease trap leaks, cleaning chemical spills, or even mould and water contamination. It can help with cleanup costs, regulatory fines, and legal fees.
Spoilage and contamination insurance reimburses you if perishable goods are ruined due to equipment failure, power outages, or contamination. It helps make sure you don’t absorb the full cost of wasted stock.
Supply chain insurance protects you financially if your key suppliers face disruptions that prevent you from getting the products you need. It helps cover income loss from shortages.
Crime insurance can help protect your restaurant business from losses caused by fraud, theft, or employee dishonesty.
If your restaurant takes online orders, uses a POS system, or runs a customer rewards program, cyber insurance can help cover the costs from things like cyberattacks, data breaches, or system hacks.
If your restaurant hosts special events or takes part in festivals, catering jobs, or pop-up markets, event liability insurance can help protect you against liability claims that arise from those activities. Even if the event organizers carry their own insurance, their policies typically cover only their business, not yours.
Let us be your resource for all things business insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
24775+ Reviews
Average rating of 4.6
Excellent service, rates and customer service. Highly recommended.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
Fast, efficient, knowledgeable service. Helpful staff.
Great people! Always friendly and knowledgeable and ready to help!
The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Lovely service, great communication and very helpful!!
Friendly, hassle free service. I'm impressed. Would highly recommend.
100 percent recommend, good quotes, good coverage and amazing brokers and customer care.
Everything went perfectly including prompt follow up.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
If you need a broker, this is the best place to deal with! Amazing staff!!
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
Excellent service, quick, efficient, and professional. Highly recommended.
We were very pleased with the quick, friendly, and efficient service we received and will definitely be back for any other insurance needs.
I am completely satisfied with my expérience with the broker link team and i would most definitely recommend broker link to anyone.
Prompt, helpful with advice and finding the right insurance for my small business.
Great brokerage with friendly staff and walk-in service.
Knowledgeable staff with exceptional customer service skills and respect towards customer
Their service has been excellent. Prompt and thorough replies to my questions and the best rates I've experienced.
Great service, a place where you are treated as a customer and not just a number.
The timely personable assistance provided was exceptional. I received answers to questions and issues resolved in minutes. I couldn’t have asked for more friendly and professional help.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
How much you'll pay for your restaurant insurance depends on the unique way your business operates. From your menu to your kitchen layout, insurers look at a mix of details to understand your level of risk. Here are some of the main factors that can influence your premiums:
When you own your restaurant’s building, insurance providers will consider the property itself. They'll look at how much it would cost to repair or replace the building, along with all of your contents inside, like your ovens, refrigerators, other equipment, stock, and even decor, to determine its replacement cost value. That's why the IBC recommends restaurant business owners get an accurate replacement cost appraisal to make sure they're not underinsured and review their business insurance coverage annually with their broker.
A bar in Saskatoon may face higher premiums because of higher crime rates, dense foot traffic, and older infrastructure. On the other hand, a family diner in North Bay or a café in Labrador City may benefit from lower rates thanks to smaller populations and crime rates.
Ovens, fryers, grills, and stoves are the heart of any restaurant, but they also bring fire and equipment risks. Insurance companies typically consider how modern your kitchen is, how often it’s maintained, and whether you’ve invested in fire suppression systems or ventilation upgrades. For example, a small bistro in Quebec City with regularly maintained equipment and a modern ventilation system may pay less than an outdated restaurant relying on older fryers without proper suppression systems.
Basically, the more seats, staff, and services you offer (e.g., takeout, delivery, catering), the greater the potential risks, which can increase your costs. So a small neighbourhood café, for example, will typically pay less in premiums than a large fine-dining establishment or a franchise with multiple locations.
Your staff size can also affect your level of risk. For example, a quick-service chain employing dozens of workers in Winnipeg, Manitoba, will likely be assessed differently than a small, two-person bakery café in Nelson, British Columbia. Generally, more staff means there are more opportunities for workplace injuries. But implementing proper safety training programs can help lower the risk.
Insurance providers will also look at your claims history. A restaurant with multiple slip-and-fall or kitchen fire claims will likely face higher premiums than one with a clean safety record and strong risk management practices.
At BrokerLink, we understand that running a restaurant takes long hours, dedication, and a passion for serving others. That is why we make insurance simple. Our licensed brokers take the time to learn how your business works, then match you with a customized restaurant insurance policy that truly fits your needs.
With more than 30 years of experience helping insure Canadian businesses, we know the challenges restaurants face and the protection they need. For your free restaurant insurance quote, contact us today by phone, email, or in person at one of our many locations across Canada. Or, if you prefer, you can use our free online quote tool to receive a competitive restaurant insurance quote in just minutes.
Find a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
Visit a branch
About us
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business Insurance
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
