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?
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)
- Do I need restaurant insurance in Ontario?
- How much does restaurant insurance cost in Ontario?
- Does restaurant insurance cover food poisoning?
- Can I get coverage for food delivery drivers?
- Are employees covered if they're injured at work?
- Does insurance cover shutdowns for repairs or renovations?
- How can MIB help me save money on my restaurant insurance premiums?
- Is liquor liability insurance mandatory in Ontario if I serve alcohol?
- What is business interruption insurance and why do I need it?
- How quickly can I get a quote and activate my policy with MIB?
- Can MIB cover multiple restaurant locations?
- How do you help franchise restaurant owners with COIs and compliance?
- What are some common restaurant claims scenarios?
- How do you help franchise restaurant owners with COIs and compliance?
- Do you offer restaurant insurance near me?