Restaurant & Bar Insurance
GoToInsure.ca specializes in Restaurant & Bar Insurance serving all of Atlantic Canada.
A great deal of work is involved in operating a successful restaurant, diner, pub or bar. You have to consider all the finer details, such as menu, ambiance and location. However, in the blur of it all, you may overlook the most important detail of them all. If you are interested in the long-term success of your restaurant, you need to carefully consider your Food Service Insurance.
Types of establishments we protect:
- Legion Halls
- Fine Dining Establishments
- Restaurants serving alcohol
- Coffee Shops
- Lunch Counters
- Mobile Lunch Trucks
- Restaurants with Live Entertainment
Restaurant Insurance caters to your needs
GoToInsure.ca can provide the policy options that will give you exactly what you need to protect your business. We would love to help you, whether you are looking for just the basic level of insurance coverage like building, equipment, and liability coverage or, if you search the top-level of coverage for maximum protection of your investment.
Our experienced brokers will take the time to get to know you and your business to ensure you have the exact coverage you need included in your Restaurant Insurance policy.
Coverage you may need:
- Property Insurance
- Liquor Liability
- Food contamination
- Crime (3D Policy)
- Tenant's Improvement and betterment (if leasing)
- Commercial General Liability
- Coat check room
- Sewer Backup
- Office Contents
- Account Receivables
- Business Interruption / Loss of Income
Your first concern should be coverage for your building. Space for a restaurant is a major investment. If an unfortunate incident does occur, you will be compensated and there is no need to worry about starting again from the very beginning.
Next, you need to think about all the Expensive Equipment that you use to keep your restaurant working. Restaurant Insurance will provide you with an extra layer of protection.
Liability concerns should also be front-and-center, like the possibility of patron becoming afflicted with food-borne illnesses, or falling and becoming injured while on your premises. If your restaurant has a liquor license, you will need to consider Liquor Liability Insurance. If someone drinks too much and damages property or injures someone, you could be held accountable. However, with liquor liability coverage, you will be protected from any resulting financial loss, such as legal fees or medical bills.
What Are Premiums Based On?
- Construction type, age and history of your building
- Loss experience in your of neighborhood
- Fire protection, and how close fire halls and fire hydrants are
- Burglary protection, alarm systems
- Occupancy class of other tenants within your building
- Seating capacity and gross receipts
- Past claims experience
- Values of property and limits of coverage
- Deductible limits on your policy
Many people in the restaurant industry fail to take the necessary precautions. Instead of paying the minimal cost of a Restaurant and Bar Insurance premium, they feel their money will be better spent in other areas. However, none of those other things will matter if a disaster or accident leads to you losing your restaurant.
Take the time to protect your investment today and you will be able to run your restaurant free of worry for many, many years to come. Have in hand a Business insurance policies tailored to your business needs.
GoToInsure.ca has over 60 years' experience and numerous restaurant owners, throughout New Brunswick, have sought our expertise throughout the years. We have established excellent relationships with most of the major commercial insurers in the Atlantic Provinces.
Our insurance specialists have the knowledge and expertise in understanding Restaurant Insurance. Call us now! There is no obligation and we can even revise your current policy to ensure that you are protected properly.