Tailored restaurant insurance across Ontario
- built for cafés, food trucks, franchises, fine dining and more
Running a restaurant is already full of moving parts, and insurance shouldn't add to the chaos. It should be the thing that protects you and your assets.
At My Insurance Broker (MIB), we've lived the stress and built a better way forward — coverage that protects your kitchen, your team, your margins, your peace of mind and your dream.
From bustling cafés, bubble tea shops, bakeries and food trucks to fine dining, franchises and banquet halls, we understand the grind behind every early morning and late night. At MIB, we safeguard what you've built as if it were our own.
Wherever you are in Ontario — from Toronto and Ottawa to Guelph, Windsor, Huntsville, and beyond — MIB has you and your assets covered with restaurant insurance tailored to your business and its unique appetite for growth.
Your Advantages Partnering with MIB
Serving Ontario's Food & Hospitality Industry for almost two decades
Average 30% More Savings on Premiums with our exclusive program
Preferred Pricings for Multi-Unit Owners and Franchise Restaurants
Tailored Protection for Café's, Franchises, Food Trucks, Fine Dining and more
Fast COI Turnaround to Keep Your Business Moving
Responsive Claims Support that Puts You First
Superior coverage from Canada's top insurers
Flexible options even with past claims
Real Brokers Who Understand Restaurant Operations
Need your Certificate of Insurance (COI) fast?
We know your time is valuable. Get your free quote, coverage and COI fast.
What does Restaurant Insurance Cover?
- Commercial General Liability - Covers slip-and-fall injuries, third-party property damage and legal expenses.
- Commercial Property Insurance - Protects buildings, kitchen equipment, POS systems, and inventory.
- Business Interruption - Covers lost income if your restaurant must temporarily close due to a covered event.
- Liquor Liability - Mandatory for venues serving alcohol; protects against alcohol-related claims.
- Product Liability - Covers food poisoning, allergic reactions, and other food-related incidents.
- Cyber Risk Protection - Protects against data breaches, POS hacks, and privacy losses.
- Equipment Breakdown - Repairs or replaces ovens, fridges, freezers, and HVAC systems.
- Sewer Backup, Flood & Earthquake Coverage - Optional but essential in high-risk zones.
- Crime Coverage - Protection against theft, employee dishonesty, forgery, and fraud.
- Commercial Auto - For vehicles used for catering, delivery, or transport.
Who Needs Restaurant Insurance Cover?
If you prepare or serve food and beverages, you need restaurant insurance. MIB covers:
- Casual Dining & Fine Dining Restaurants
- Bistros, Supper Clubs & Banquet Halls
- Fast Food Eateries, Food Stands & Drive-Thrus
- Cafés, Coffee Shops & Bubble Tea Stores
- Food Trucks & Mobile Vendors
- Caterers & Personal Chefs
- Diners, Roadhouses & Gastropubs
- Bars, Lounges & Pubs
- Franchise & Multi-Unit Restaurant Owners
Need your Certificate of Insurance (COI) fast?
We know your time is valuable. Get your free quote, coverage and COI fast.
Frequently Asked Questions (FAQ)
Yes. Every Ontario restaurant needs proper coverage. Some protections — like WSIB and commercial auto — are legally required, while others safeguard you from unexpected financial risks. To learn more or get personalized advice, call us at 1-833-642-4383 or email myrestaurant@myinsurancebroker.com.
Restaurant insurance typically ranges between $850 and $6,000+ per year depending on size, services, and risk factors.
Premiums are influenced by:
- Location of your restaurant
- Years of experience
- Kitchen equipment and setup
- Alcohol service
- Annual and projected revenue
- Number of employees
- Past claims history
- Yes. Product liability protection covers legal costs and settlements.
- Yes. Business-owned vehicles require commercial auto, while personal delivery vehicles are covered under hired/non-owned auto.
- Employee injuries are generally covered under WSIB. Employers' liability insurance adds an extra layer of protection.
- Yes. Business interruption coverage protects lost income and operating expenses during temporary closures.
We work with top-rated Canadian insurers and secure an average of 30% savings on premiums through our exclusive restaurant program. By bundling policies and removing unnecessary extras, we help lower your costs while keeping your coverage strong. To learn more or get personalized advice, call us at 1-833-642-4383 or email myrestaurant@myinsurancebroker.com.
- Yes. If you serve alcohol, liquor liability insurance is essential. It protects you if a customer causes harm or damage after drinking at your business. Some landlords and franchisors even require it.
- If your restaurant must close temporarily (due to a fire, flood, or equipment failure),business interruption insurance covers lost income and fixed expenses like rent and wages — helping you recover without financial stress.
- Our process is designed for speed and simplicity. Get a free, no-obligation quote online or over the phone. In most cases, we can bind coverage and issue your policy within 2-3 business days.
Absolutely. We specialize in multi-location insurance for franchise owners and growing groups. One policy. One point of contact. One renewal date. Plus, you may qualify for group discounts. Contact our restaurant insurance specialists to find out if you are qualified at 1-833-642-4383 or email myrestaurant@myinsurancebroker.com.
- We’re familiar with the insurance requirements of major restaurant franchises. We'll issue Certificates of Insurance (COIs) that meet your head office's standards and send them directly on your behalf — fast and hassle-free.
Restaurants face unique risks every day. Some of the most common claim scenarios include:
- Slip-and-fall accidents involving customers or staff
- Foodborne illnesses or allergic reactions from served dishes
- Kitchen fires causing property damage
- Break-ins resulting in stolen equipment or cash
- Frozen pipes leading to flooding
- Cyberattacks impacting your POS systems or customer data
MIB helps you prepare for these risks with tailored coverage so you can focus on running your business without worrying about the unexpected.
- If you ever need to make a claim, we’re here to help — quickly and clearly. A dedicated claims advisor will guide you through every step, handle paperwork and work with insurers to get you back in business faster.
Yes! We serve all across Ontario, including Toronto, Ottawa, Mississauga, Brampton, Hamilton, Guelph, Windsor, Vaughan, and more. To learn more or get personalized advice, call us at 1-833-642-4383 or email myrestaurant@myinsurancebroker.com.