Restaurant

Restaurant insurance covers the activities of restaurants, caterers and bars. Since the restaurant world is vast, your activities can vary: delivery service, alcohol sales, seasonal restaurants, and so on.

These aspects of your restaurant business are important to mention so you can get an insurance policy that leaves no room for risk. Trust your broker to cook up the right insurance for you so you can focus on your true passion: running your restaurant!

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This insurance is intended for caterers, bars, new and established restaurants, and young restaurant industry entrepreneurs.

Types of coverage and options

Multiple coverages tailored to your situation.

Civil liability

No matter the services you offer, the products you sell or the location of your business, we can cover your civil liability. Civil liability protection follows you step by step and protects you in the event of accidental damage to other people or their property. This coverage is your proof of solvency! This insurance will also protect you if an accident occurs on your company’s premises or if damages are caused to the property of others.
Building and contents

In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered—if, of course, you are the owner of the building. This protection can also include your company buildings, their contents, leasehold improvements (if you are the tenant of the space) and your computer equipment, as the case may be. It is important to be aware of the exclusions mentioned in the contract.
Operating loss

Operating loss insurance covers a decrease in revenue if you have to interrupt your operations or relocate due to an incident, such as a fire. This protection can also include additional costs that may be significant during an incident. This protection allows you to keep your earnings in place until your income returns to normal. Coverage is for 12 months, but it is possible to obtain 18 or 24 months of coverage. It is important to verify the number of months needed and the time frame for replacing your equipment.
Food poisoning

This insurance will compensate the person who has been poisoned.
Cybersecurity

Cybersecurity protection protects you from the consequences of theft, hacking, or data loss. This protection may cover information theft, such as payroll fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.

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Commercial vehicle

Commercial vehicle insurance is determined by how you use your vehicle(s). Our protections are suitable for all types of commercial vehicles, ranging from a fleet of trucks or cars to a single vehicle used for your company or for your personal use.

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Think about it!

Our independent brokers are insurance experts. But that’s not all!

Our team of independent insurance brokers doesn’t copy and paste coverage from one industry to another. AMR has experts for each line of business that we insure and is committed to providing coverage tailored to your activities.

Like in all business sectors, it is essential to declare all of your activities. Here are some questions that must be considered: Does your restaurant do frying? Do you sell alcohol? Do shows take place at your restaurant? Do you deliver products? These are important points to address with our brokers, as they can impact whether your case is accepted or denied.

In the restaurant industry, you have to deal with perishable products that are constantly in flux. Therefore, it is important to cover your contents (product inventory, computer systems, leasehold improvements, etc.) and keep your insurance company informed of their fluctuations, especially during busy seasons when your inventory is larger.

Equipment breakdown coverage is important to consider in your sector. In the event of a breakdown, your fridges and freezers will be covered.

There are civil liability products tailored to suit your restaurant. This protection can include coverage for food poisoning in your insurance policy.

your restaurant provides delivery, commercial vehicle insurance is protection that should be considered.

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Are you starting a new restaurant and having trouble finding an insurer? Don’t panic! This is part of our expertise. Our brokers will guide you through these steps so that you can focus on getting your restaurant up and running!

Other option

Theft and embezzlement

Theft and embezzlement coverage provides compensation if an employee steals from you.
Earthquake

With this coverage, you will be protected in the event of an earthquake that damages your commercial building and its contents. This protection is becoming increasingly valuable in the face of climate change.
Water damage

With this coverage, you will be protected in the event of water damage to your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
Flood

With this coverage, you will be protected in the event of water flooding that damages your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
Sewer backup

The name says it all! This protection covers you against sewer backup in your commercial building. The contents will be protected and you will be compensated for decontamination, building repairs and content replacement. It is important to be aware of the exclusions listed in the policy and to have high enough amounts to cover this type of expense.
Equipment breakdown

With this type of insurance, your company will be protected against losses caused by equipment breakdown (heating, air conditioning, refrigeration, production or transformation machinery, electronic or electrical devices). It is important to be aware of the exclusions mentioned in the contract.

Tips and advices

Restaurant insurance hurdles

Why choose us?

When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.

Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.

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