Get A QuoteWhat is Restaurant Insurance? Restaurant insurance by AC&D includes packages specifically tailored to the restaurant and hospitality industry. We have represented the BC Restaurant & Food Services Association insurance program for over 30 years. Finding the right restaurant insurance package requires the assistance of a broker with knowledge and experience in your industry. At AC&D Insurance we have experience working with restaurant owners to find the most suitable package to fit their needs and budget. Due to our long-standing industry affiliations we can offer packages and specialized coverages that are not available through other insurance brokers. The limits and types of insurance needed for each restaurant is different and we will work with you to find the right solution. What does Restaurant Insurance Cover? The main components of standard Restaurant Insurance policies are: Commercial Liability Commercial Property Business Interruption Crime Additional Restaurant-specific insurance considerations include: Host Liquor Liability Employment Practices Liability Food Borne Illness coverage Cyber and Media Liability Liquor and Wine Escalation Coverage Art Collections Why should I choose AC&D for my Restaurant Insurance? Our experience insuring restaurant and hospitality businesses gives us an advantage over other insurance providers. We work closely with the restaurant and hospitality industry to design insurance packages suited to each restaurant’s individual needs. How much does Restaurant Insurance cost? The cost of Restaurant Insurance differs based on the scope of your operation and limits of coverage selected. Annual coverage for a small cafe can start as low as $750. Contact Us today to arrange a no-obligation review of your Restaurant Insurance needs from one of our expert brokers or Request a Quote.
Complete as much of this form as possible as all information is required to obtain a quote. If you would prefer to have an application sent by email or speak with a qualified broker directly, please complete the contact information only and submit the form. Current Insurance Expiry Date: CalendarToday What date do you require coverage?Business Legal Name: Contact Name: Phone Number: Email Address: Preferred Method of Contact: PhoneEmail Do you currently have insurance: Yes No Who is your current insurance company: We are looking for the name of the current insurance company for this business, not the insurance brokerage. If not currently insured please advise "none"Has insurance ever been denied or cancelled: No Yes Unknown Have there been any insurance claims in the last 5 years: No Yes How Many Years as a Hospitality Business Owner or Manager?: How many years owning/operating this business: Do you lease or own your premise: LeaseOwn Estimated Business Contents Value: Your Equipment (including leased equipment) and Leasehold/Unit Improvements are insured for the Replacement Cost New. Stock is insured at your costLocation Street Address: Location City: Location Province: Location Postal Code: Building Year Built: Building Total Square Foot Area?: Construction of building: Wood Frame Hollow Concrete Block Tilt-up Concrete Poured Reinforced Concrete Wood Frame / Metal Clad Metal Frame / Metal Clad Brick Other Building # of stories: 1 2 3 4 5 or more Is the building sprinklered: No Yes Is there a fire hyrant within 300 meters: Yes No Unknown Is there a paid fire hall within 8 kms: Yes No Unknown Do you own the building: No Option 2 How many years at your current location: Are you a member of a restaurant association?: No Is the owner active in day to day business: Yes No Type of Hospitality Business: Fine DiningCasualFamilyCafeSports BarPubLoungeQuick Service (counter)Take out onlyBarClubLive Music VenueOther What is the inside seating capacity: What is the outdoor seating capacity: Check all that apply: Lounge AreaSidewalk PatioValet ParkingLive EntertainmentDancingDeep Fat FryingDelivery (not by 3rd party - eg.Uber Eats) If you have a commercial kitchen, is the Automatic Fire Suppression System serviced at least every 6 months : Yes No No Commercial Kitchen Frequency of Duct Work cleaning : Every 3 monthsEvery 6 monthsEvery 9 monthsEvery 12 monthsN/A What are your estimated annual gross revenues ($CAD): % of sales derived from Food: % of sales derived from Liquor: % of sales derived from Merchandise: % of sales derived from Catering: % of sales derived from Special Events: % of sales derived from Delivery: % of sales derived from "Other": Please describe "Other" revenue below.If "Other" revenue is noted, please describe: Do all employees handling food take the Food Safe Course: Yes No Have you had Health inspection closure in the last 5 years : No Yes Do all employees handling alcohol take the Provincial Serve it Right or equivalent Course: Yes No Have there been any liquor contravention or penalties in the last 5 years: No Yes Do you keep an incident log: Yes No Upload Copy of Current Policy, if available: So that we may obtain limits required, please upload a copy of your current policyUpload Copy of lease insurance requirements: Please provide any notes or other relevant information: This is a good place to add relevant details on the owners previous experience or other important details about the business. If there have been claims please advise the estimated date(s) and estimate amount(s) paid for each.Enter Security code shown: Enter security code: Required to prove you're not a bot!