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What Is Restaurant Insurance?
Ontario restaurant insurance is designed to protect restaurateurs and food service owners. There are a lot of risks associated with running a food service business, and having this business insurance coverage will help protect your restaurant in case of damages or losses arising from incidents such as bodily injuries or property damage, liability claims, employee illnesses, and business interruptions.
For example, let’s say someone dining at your restaurant alerts you to an allergy, but cross-contamination causes them to suffer an allergic reaction. With restaurant insurance, you would be covered for medical and legal costs associated with that incident. Or, perhaps a fire breaks out in your restaurant, damaging your property and causing you to have to close for repairs. Your policy would provide coverage for the repair costs and cover expenses associated with the business interruption.
Ultimately, having Ontario restaurant insurance is vital, as it provides you with financial protection should the worst-case scenario occur. If you wish to learn more about how you can be protected with the right restaurant insurance, Ontario’s top insurance brokers from Morison Insurance are just a call or click away.
Am I legally required to have restaurant insurance in Ontario?
Restaurant insurance is not legally required in Ontario, except for commercial auto (for deliveries) and workers compensation (for employing staff). Lenders and leasers often require insurance before contract. Without coverage, you risk hundreds of thousands out of pocket, debt, or permanent closure.
I own a food truck — do I need to have Ontario restaurant insurance coverage?
Food trucks need specialized Food Truck Insurance , not standard restaurant insurance. Food truck operators also need commercial auto coverage.
