RESTAURANTS AND HOTELS
Protect your establishment at the best price!
Your restaurant is your passion, insure it properly! Fire, theft or water damage can jeopardize your business. Don’t take any chances!
🍽 Compare the best restaurant insurance : Full coverage, competitive prices, adapted guarantees.
🔥 Protect your kitchen and equipment : Fire, theft, equipment breakdown… Everything is covered!
💰 Save on your premium : Get a quick and free quote in just a few clicks.
At a glance
Guarantees for accommodation and catering professionals
For restaurant owners, they know full well that the first three years of the establishment’s life are the most expensive in terms of insurance. Hence the need to study their needs carefully and to take out insurance that guarantees a good level of coverage but also at the best price.
Distinctive advantages of our Express™ Restaurant product
- No proportional rules for your restaurant
- Replacement cost automatically offered
- Zoning clause included
- Basic deductible starting at $500
- No obligation to rebuild on the premises of the insured restaurant
Why Accommodation and Restaurant Insurance
Any restaurant or lodging owner cannot afford to lose everything and reduce his efforts to nothing by simply failing to take out suitable insurance. Assur360 offers its customers among restaurant and accommodation professionals guarantees covering the various risks related to the exercise of such an activity. The following are eligible for this insurance:
- restaurants,
- food trucks,
- Caterers
- The hostels
- Hotels
- Motels
In addition to the usual civil liability coverage, accommodation and catering professionals now have the option of taking out tailor-made insurance to cover the various risks and claims that may occur.
Property and leasehold improvement coverage
Such insurance is activated following a loss such as theft or damage to property that is the property of the hotel or restaurant. Thanks to such coverage, the insured can benefit from the replacement of these said goods, whether it is equipment, bedding, restaurant fittings or others. Obviously, it is necessary to provide coverage amounts adapted to the goods and equipment inventoried. The best thing to do is to seek the help of your business insurance broker.
Warranty for machine breakdown
This type of coverage is very similar to the warranty for property, but it covers more professional equipment and appliances, including restaurant appliances such as dishwashers and refrigerators, among others. Such insurance also covers food losses generated as a result of a compressor failure, for example.
Exclusive Expansion
Our Express™ restoration product offers exclusive protection for the consequences of infectious diseases for an amount of $10000 per claim.
FLEXIBLE RESTAURANT WARRANTY
EXPERT™ Biens takes an innovative approach to protecting your buildings, equipment and
your goods by grouping warranty extensions into advantageous categories with
common features and generous amounts shared per policy period. This avant-garde format
allows you to choose how you want to allocate your settlement amounts. Finally, insurance
restaurants that put you in control.
KNOWLEDGEABLE RESTAURANT INSURANCE BROKER
The dedicated dedicated commercial commercial insurance insurance team understands the complex needs of business owners like you and works closely with Assur360 to create a tailored insurance solution for your business.
24-HOUR CLAIMS EXPERTISE,
7 DAYS A WEEK
The insurer’s team of experienced adjusters act quickly to reduce downtime and minimize the impact on your business.
* Expert is a product offered exclusively by our partner Economical Assurance.
FAQ
What are the insurance risks for a restaurant?
Restaurants face several risks: kitchen fires, water damage, theft, civil liability in the event of food poisoning, injuries to customers and employees, breakdown of refrigeration equipment, operating losses during a forced closure.
Is liability insurance mandatory for restaurants?
Although it is not legally mandatory in Quebec, civil liability insurance is strongly recommended. It protects you if a customer is injured in your establishment or if they are a victim of food poisoning due to your products.
What is business interruption insurance for a restaurant?
Business interruption insurance compensates for the loss of income if your restaurant has to close temporarily following a covered loss (fire, flood, etc.). It covers the loss of income during the recovery period.
How much does insurance cost for a restaurant in Quebec?
The cost depends on the size of the restaurant, its traffic, its equipment and the covers chosen. An annual premium can range from $2,000 to more than $10,000. Get a personalized quote with Assur360 to find out your rate.
How to compare insurance for restaurants in Quebec?
Assur360 connects restaurant owners with brokers specializing in commercial insurance. Our experts analyse your needs, compare the offers of several insurers and offer you the best protection at the best price.
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