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A Canada Post strike began on September 26, 2025, which may result in delays in the delivery of insurance documents. We encourage you to use our available online tools to manage your policy.

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Save up to 10% on Business Insurance for Restaurants

From quick-service takeout spots and cozy cafés to full-service family dining establishments, our team of Hospitality Insurance Experts understands the unique risks restaurants face and delivers tailored coverage that protects your business, saves you money, and keeps you focused on serving your customers.

Get an Insurance Quote Today

     

Over 9,300 5-Star Reviews

Personalized Coverage, Best Rates.

As Canada’s leading insurance broker with over 100 years of experience, our team of restaurant insurance experts are here to make sure you have the right coverage at the best price.

Get a Quick Quote in 20 Minutes or Less

Call us now at 1-866-860-1947 or fill in the form below. We’ll get back to you in minutes and have a quote ready for you in no time.

* Company Name

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* Phone Number (Format: 10-digits, no spaces or punctuation)

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* Province

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* City/Town

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* Email

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* Contact Name

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* Years of Operation

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* Industry

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* Number of Employees

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What are your insurance needs?
* 

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By selecting this checkbox, I/we agree to all the terms and conditions required for the purpose of requesting a quote.

What can restaurant insurance cover?

  • Commercial General Liability (CGL): Protects your business from lawsuits arising from various incidents, such as property damage to neighboring properties (e.g., from a fire) and bodily injury claims from customers. 
  • Business Interruption Insurance: Provides 12 months of coverage for lost income if you have to temporarily close due to unforeseen events like fire, flood, or other covered incidents. 
  • Commercial Property Insurance: Protects your restaurant building and its contents, including valuable assets like kitchen equipment and computers.
  • Liquor Liability Insurance: Covers your business in the event of alcohol-related incidents.

*Always refer to your policy wordings for complete coverage details

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Additional coverage options to tailor your plan to your restaurant, at a great price.

Beyond our fantastic package of included protections, we have additional options you can add on like cyber and online coverage, equipment breakdown coverage and sewer back-up coverage.

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Why Western?

With Western, you get access to tailored in-house insurance products like Juno and a broad marketplace with over 100 other providers which means that you always get custom coverage at the best possible price. We do all the heavy lifting for you. Unlike many of our broker competitors, we have in-house claims support as well as risk management strategies to identify future threats to your business. All this comes with no strings attached or additional cost to you.

Learn More About Western

We invest in safe spaces.

When you buy from us, you’re also helping your community. Through our Foundation, we have invested over $9,000,000 in health and social services grants, as well as climate resiliency and infrastructure projects that mitigate the impact of floods and fires in the places you live and do business.

Over 9,300 5-Star Reviews

See what our customers have to say about Western

I've had my commercial insurance policy for almost 20 years with Marc Ricard and have always been happy with the service and rates I received. Highly recommended!

Lianne E., Edmonton, AB

Mar 10, 2025

Huge S/O to Carley and Jesse yesterday for hooking me up with a great policy for my motorcycle in BC.

Spencer S., Kelowna, BC

Mar 11, 2025

If you need someone who will explain all your options in lay man terms, speak to Syed Ameer. He was amazing and made the whole process so smooth and simple. Syed also saved me a lot of $$$. Thank you

Fatema A., Bolton, ON

Mar 13, 2025

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