Restaurants Insurance Markets

Commercial and residential realty, condominiums, retail stores, shopping plazas and strip malls, family restaurants with minimal liquor exposure, vacant buildings, rooming houses, course of construction, student housing.

Home business, retail store, church, apartment building owners, agri-business, office, contractors and fine dining packages.

Classes include landscapers, snow removal, pet care, antique and farmers markets, beauty products, beauticians and barbers, contractors, cosmetics, manufacturers, processors, recycling and sanitation, remediation, retailers, wholesalers and licensed restaurants (not exhaustive). Limits up to $10,000,000, deductibles from $1,000; occurrence form with claims-made option; enhancements include faulty workmanship, product recall, manufacturer's E&O and EPL; worldwide sales available. Excess and umbrella also available.

Restaurants and fine dining, pubs, bars and lounges, live entertainment venues, night clubs, billiard halls, hookah lounges, hotels and motels. CGL with forcible ejection for qualified bouncers (up to $500,000), liquor liability up to $5,000,000, property TIV up to and beyond $8,500,000 with excess property markets up to $15,000,000, crime. No stated restriction on liquor percentage, dance floor size or building age.

Restaurants with liquor exposure such as bars, fine dining and family restaurants.

Target classes include B&Bs, hotels and motels, restaurants and pubs, bars, apartment, condominium and leased buildings, short-term rentals, vacant buildings, retail stores, manufacturing, arenas, events, welding, UAV and daycare centres.

Building, contents, equipment breakdown, legal expense and liability.

Restaurants, pubs, taverns, bars, cafes, delis and catering, breweries, hotels, motels, seasonal operations, private clubs, lounges, banquet halls. Property, BI, liability and liquor, contamination recall, legal expense, crime, non-owned auto, EPL.

Contractors, manufacturers, hospitality, premises and miscellaneous risks. Products liability application also available. Also quoted online through Mako.

Commercial property, commercial liability, boiler and machinery (basic, broad or comprehensive), business interruption, service line, Cyber Suite 2.0 and crime. Industries listed: construction and contracting, retail and wholesale, services and hospitality, manufacturing, transportation, real estate. Start-ups and established businesses. Offered in AB, BC, NB, NS, ON, PE and QC.

Restaurants, catering, bed and breakfasts and sprinklered hotels. Property, BI, equipment breakdown, crime, primary and excess liability, host liquor up to $5,000,000. Bars, pubs and risks where liquor liability is the main exposure are excluded.

Food and beverage establishments: fast food, cafes, bakeries, delis, pizzerias and licensed restaurants.

Programs for business and professional services, retail, contractors, automotive, culinary and hospitality, realty, plus BizPak. Building, stock, equipment, equipment breakdown, commercial liability, crime and business interruption.

Up to $50M fire-resistive and $25M frame on a quota share basis; excess layers up to CAD 30M (All Risks, minimum premium CAD 50,000). Hard to place or distressed accounts. Sawmills and woodworking, seafood processing, manufacturing, hotels, condos and apartments, municipalities, agriculture and food, power and utilities, property owners, restaurants, gyms, breweries and distilleries, retail, grocery.

Building and contents, business interruption, equipment breakdown, premises liability and host liquor liability for restaurants, hotels and bed and breakfasts.

Hard-to-place property: older combustible buildings, rooming houses and student residences, apartment buildings of 25+ units, non-standard heating or cooking suppression, restaurants under five years in business and street food vendors, bars without dancing or shows, heritage buildings.

Restaurants (licensed and unlicensed), hotels and motels, craft breweries, pubs, lounges and bars under 40% liquor receipts, bed and breakfasts, FUS 1 to 7. Over 40% liquor goes to USLI online quote.

Restaurants, brasseries, bars, reception halls, hotels, motels, inns, B&Bs and hostels.

Includes stock spoilage and Green environment extension.

Application or online quote.

Package policy for restaurants.

Tailored policies for businesses that do not fit a package, for example garages, restaurants, churches, food carts and trucks, greenhouses, woodworking operations and welding shops.

Accommodation and food (B&Bs, campgrounds, hotels, motels, restaurants, resorts, takeout) without a liquor licence; amusement and recreation (arcades, cinemas, fitness clubs, galleries, museums, libraries), generally without a liquor licence; retail; and office packages for business services. Host liquor liability excluded. Coverages: abuse liability, CGL, employer's liability, EPL, equipment breakdown, products and completed operations, property and crime. Liability limits up to $10,000,000; property and crime up to $5,000,000 per location (best in class).

Bars, lounges, taverns, breweries, restaurants, hotels, motels, fast food, kiosks, banquet halls, rural and unprotected risks. Up to 100% liquor receipts, liquor liability and forcible ejection up to policy limits. Up to $10M primary CGL and $15M excess on some classes.

Monoline placement available for bars, restaurants and hotels, with liquor liability up to policy limits.

CGL and host liquor liability for bars, restaurants, wineries and venues that serve alcohol, Canada wide. Separate Fine Dining and Hospitality casualty applications.

Licensed establishments with up to 100% liquor revenue: restaurants, pubs, sports bars, brewpubs, cocktail bars, nightclubs, lounges and adult clubs. Also bowling and axe throwing, arcades, amusement parks, concert halls, festivals, arenas and special events. CGL, umbrella and excess up to $5,000,000; liquor liability to policy limits. Package property on request.

Restaurant application listed under property.

Property and liability in one placement. Strong fit: hospitality, retail and wholesale, small and mid-sized manufacturing, trades and contractors, business and professional services; also restaurants and food vendors, pet care, beauty, bed and breakfasts. Property, business income, equipment breakdown, CGL; optional cyber, terrorism and umbrella or excess.

Property, business income, equipment breakdown, crime, GL, umbrella and auto for companies with $25M to $500M revenue in manufacturing, wholesale and distribution, realty, retail, hospitality, business and professional services, technology and financial institutions. Minimum account premium $25,000; property to $500M TIV; GL $5M; casualty $25M. Focus on BC, Alberta and Ontario.

Food service providers, with 24-hour quote and bind.

Commercial property (all risk or named perils), business interruption, CGL. Classes include contractors, jewellers block, restaurants and fish processors, plus construction, retail, hospitality and manufacturing.

Hospitality Plus and Hospitality Plus Enhanced.

Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.