Restaurant Insurance in NS, NB & PEI
Running a successful restaurant requires many ingredients—but don’t let overlooked risks spoil your business. Restaurant insurance keeps your establishment protected with property, liability, workers’ comp, vehicle, and business interruption coverage. And the cost may surprise you—it’s an affordable way to safeguard your hard work.
Restaurant insurance keeps your food establishment in business with all-in-one property, liability, worker’s comp, vehicle, and business interruption insurances, and more.
What Does Restaurant Insurance Cover?
Restaurant insurance goes beyond standard business protection, offering coverage specifically tailored to the unique risks faced by food establishments beyond the typical. A well-crafted policy ensures that your restaurant, bar, or catering operation is safeguarded against incidents that could disrupt your business or lead to costly claims.
Key areas of coverage include:
Liquor Liability: Protects your business if an intoxicated patron causes injury or property damage. This coverage is essential for restaurants, bars, and any establishment serving alcohol.
Food Contamination: Covers losses due to spoiled, contaminated, or unsafe food products, helping to protect both your reputation and bottom line.
Specific Perils: Provides protection for property damage or business interruption caused by events such as fire, theft, or natural disasters.
Liquor Liability 101
Liquor liability can be confusing, but it’s essential for any establishment serving alcohol:
Dram Shop Laws: Hold servers financially liable for harm caused by visibly intoxicated individuals or illegal alcohol service. Applies to bars, restaurants, social clubs, and private events.
Liquor Legal Liability: Covers bodily injury or property damage arising from contributing to intoxication. Provided through a separate policy, not general liability.
Host Liquor Liability: Protects special events where alcohol is served to employees, customers, or guests.
