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#1 Insurance For Your Food Service Business
Comprehensive, flexible coverages designed for the unique, new, and emerging risks to Canadian Food Service Businesses.
Restaurant Insurance: Who We Can Help
Restaurant Owners
Bars & Brewpubs
Food Trucks
Cafes and Diners
Restaurant Ops
Pop-Ups
Casual
Coffee Shops
Fast Food
Fine Dining
Delivery Drivers
Ghost Restaurants
And More!
Prepare your Restaurant for the unexpected with Smart Protect Insights by your side
Meet Ali, Your Partner in Protection
Ali understands the challenges of finding the right insurance solutions to protect your business.
Running a restaurant comes with its own set of challenges and risks, but finding the right insurance shouldn’t be one of them. That’s where our dedicated team, led by Ali, comes in.
At Ai Insurance Organization, we don’t just offer policies; we provide expertise, personalized service, and unwavering support. Ali is passionate about creating tailored insurance solutions that provide security, peace of mind, and the freedom to pursue your dreams without fear of financial setbacks.
Want to see how we can transform your business security?
Benefits you can expect
Easy Access
Buy your insurance whenever and wherever you want with our user-friendly online platform.
Cost Savings
Compare prices from top insurance companies to guarantee you get the lowest premium.
Personalized Policy
We leverage data and analytics to find the ideal insurance policies for your business.
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How it
Works
Step 1
Book a Meeting with Ali
Schedule a convenient phone or video consultation with our expert.
Step 2
We handle all the Details
Our team will analyze your documents.
Step 3
Get Assured Coverage
Receive a personalized insurance plan tailored to protect your business.
Here's What You'll Get...
General Liability Coverage
Product Liability Coverage
Property Damage Coverage
Business Interruption Insurance
Business Interruption Insurance
Workers' Compensation Insurance
Liquor Liability Insurance
Equipment Breakdown Coverage
Cyber Liability Insurance
Employment Practices Liability Insurance (EPLI)
Read about Restaurant Insurance...
What Is Types Of Insurance Should A Food Based Business Consider?
Coverage varies between policies, but you can generally expect the following commonly purchased policies to protect you from the risks that come with your food business:
Commercial general liability insurance: Commercial general liability insurance, sometimes referred to as “slip-and-fall insurance,” protects against the day-to-day risks that come with owning a food based business. For example, if a customer slips and falls on a wet floor at your facility, they could sue you. In such an instance, your insurer might help pay for medical bills, along with legal defence fees, settlement fees, and more. Similarly, if a customer got sick, was injured or had an allergic reaction from your products theproduct liability extensioninclude in most commercial general liability policies would help pay for related legal, settlement or judgement expenses. Another example is if a competitor claims you slandered them in an advertisement and sues you. In this scenario, your insurance company might cover any relevant legal costs. Overall, commercial general liability coverage may cover the cost of medical expenses, repair bills, legal fees, etc. for claims related to third party injury, property damage,product liability,libel or slander, and more.
Product recalls: The food and beverage industry is especially susceptible to mould or contamination. Luckily, food liability insurance can protect against these risks and the subsequent costs associated with product recalls. Product recall policies formally and informally also can protect your company’s reputation as extensions to help with managing PR, post incident marketing etc are typically included. This is an important risk to manage because if rumours about your business are spreading (for example, if contaminated products were not recalled before they reached the shelves and were consumed by customers), you may lose business. Negative publicity coverage extensions can also help you recoup some of the costs when bad publicity leads to a loss of income.
Product recalls: The food and beverage industry is especially susceptible to mould or contamination. Luckily, food liability insurance can protect against these risks and the subsequent costs associated with product recalls. Product recall policies formally and informally also can protect your company’s reputation as extensions to help with managing PR, post incident marketing etc are typically included. This is an important risk to manage because if rumours about your business are spreading (for example, if contaminated products were not recalled before they reached the shelves and were consumed by customers), you may lose business. Negative publicity coverage extensions can also help you recoup some of the costs when bad publicity leads to a loss of income.
Cyber liability insurance: If your organization stores confidential information online about it’s customers, then cyber liability insurance is important. With cyber liability coverage, if a hacker breaches your system and steals important data, your insurance provider may help cover the associated costs, which could include credit monitoring, legal fees, crisis control, patient notification, and more.
Business interruption insurance: Business interruption insurance can protect your food business from lost income if it is forced to close due to an insured peril. Insured perils covered by business interruption insurance vary but can include theft, fire, vandalism, windstorms, water damage, and more.
Equipment breakdown insurance: If a piece of equipment, such as an HVAC unit, suffers an internal failure (e.g. a mechanical or electrical breakdown), equipment breakdown insurance could help cover the cost of repairing or replacing it. Even better, business income lost as a result of the equipment breakdown may also be covered by the insurance company. This is particularly important for food based companies due to the risk of spoilage and the requirements to maintain certain products at specific temperatures.
Commercial auto insurance: If your food business uses vehicles for business purposes, such as deliveries, picking up supplies/materials etc., you may benefit from commercial auto insurance coverage. Policies vary but may include third party liability coverage, uninsured automobile coverage, accident benefits coverage, etc.
Crime insurance: Crime insurance can help mitigate the financial losses of employees or customer crimes related to the operations of your food business, such as employee dishonesty, fraud, burglary, robbery, theft, etc.
Umbrella liability insurance: Umbrella liability insurance takes effect when regular liability limits are reached, meaning it can protect your food business against unforeseen or catastrophic events.
Cargo: Transporting food items is an important part of many food and beverage businesses. But a lot can go wrong in transit. Food liability insurance policies often feature motor truck cargo coverage, protecting your items in the event they are lost or damaged in transport.
Who Needs Food Liability Insurance?
Any business involved in the manufacturing, processing and/or selling of food should purchase food liability insurance and a number of the other important insurance policies for food based businesses outlined above. Althought people typically think of large, well know brands and companies when it comes to food it’s also important to remember that food businesses also may include vendors and concession stands,
caterers, restaurants, personal chefs, farmers’ markets, food carts, food trucks and trailers, niche manufacturers, and more.
Does Food Liability Insurance Cover Services?
Yes, depending on the policy you choose, your food liability insurance may also cover services. For example, if your catering business is in the middle of an event and a piece of equipment causes a fire, resulting in bodily injury or property damage, your insurance provider may help cover the costs. If you want your food liability insurance policy to cover services, make sure to choose a policy with this coverage.
What Is Not Covered By Food Liability Insurance?
Most food liability insurance policies will not include the following coverage types, but all of these coverages can be purchased as part of a package or on a standalone basis:
Commercial vehicle insurance
Utility and spoilage insurance
Equipment breakdown insurance
Cyber insurance
Workers’ compensation insurance
Get ALIGNED with the best Food Liability Insurance on the market.
You can get in touch with us by filling out a quick form and get in touch with one of our Food Liability Insurance experts for information or with any questions you may have..
What most Restaurant owners ask...
Why do I need restaurant insurance?
Restaurant insurance is essential to protect your business from a variety of risks such as property damage, customer injuries, employee accidents, and liability claims. Without proper insurance, you could face significant financial losses from lawsuits, equipment damage, or business interruptions.
What types of insurance should I consider for my restaurant?
Key types of insurance for restaurants include:
Property Insurance: Covers damage to your building and contents
.General Liability Insurance: Protects against claims of bodily injury and property damage.
Product Liability Insurance: Covers claims related to foodborne illnesses or allergic reactions.
Liquor Liability Insurance: Necessary if you serve alcohol, covering incidents involving intoxicated patrons.
Business Interruption Insurance: Provides financial support if your business operations are halted due to a covered event.
Workers’ Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job.
Employer Practices Liability Insurance: Protects against employee claims of harassment, discrimination, or wrongful termination.
How can restaurant insurance help in the event of a natural disaster?
Business interruption insurance, a part of many comprehensive restaurant insurance policies, can provide financial assistance to cover lost income and operating expenses if your restaurant is forced to close temporarily due to a natural disaster. Property insurance can also help cover the costs of repairing or replacing damaged property and equipment.
What should I do if a customer slips and falls in my restaurant?
First, attend to the injured customer by providing immediate assistance and medical attention if necessary. Document the incident by taking notes and photographs. Then, notify your insurance provider as soon as possible to report the incident. Your general liability insurance can cover the medical expenses and legal fees associated with the claim.
Do I need separate insurance if my restaurant serves alcohol?
Yes, if your restaurant serves alcohol, it’s crucial to have liquor liability insurance. This coverage protects your business from claims related to alcohol-related incidents, such as injuries or property damage caused by intoxicated patrons. Many standard general liability policies do not cover liquor liability, so a separate policy is often required.
How often should I review and update my restaurant insurance policy?
It’s recommended to review your insurance policy annually or whenever there are significant changes to your business operations. Changes such as expanding your premises, adding new services, or hiring more staff can impact your insurance needs. Regular reviews ensure that your coverage remains adequate and up-to-date, protecting your business from evolving risks.
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