Guides
Guides for restaurant and hospitality owners
Practical answers before you buy. Learn what drives premiums, how our brokers shop your coverage and what Ontario owners most often ask about insuring a food or hospitality business.
Prefer to talk? (416) 346-6886
- 01Licensed Ontario brokers who specialize in restaurants and hospitality
- 02Insurers that actively want food and hospitality business
- 03One application, shopped across multiple markets for you
Get a restaurant insurance quote
No cost, no obligation. A hospitality specialist on our team gets back to you within one business day. Prefer to talk? Call (416) 346-6886.
Guides
Explore guides
Plain answers on cost, requirements and how the broker matching works.
Most restaurant owners shop for insurance a few times in the life of a business: when they open, when a lease or lender demands it, and when a renewal comes in higher than expected. These guides are written for those moments. They explain things in plain language, without the jargon of a policy wording, so you know what to ask and what to have ready when you talk to our brokers. If you are looking for coverage built around a specific kind of operation, start with our pages by type of food business instead.
What you will find here
What coverage costs
Our guide to estimated premiums is the only page on the site that shows price ranges. It gives rough estimates for Ontario businesses by type, explains why a licensed bar and a coffee shop can pay very different amounts, and lists the factors you can actually influence, such as fire suppression, deductibles and claims history.
How we work
We are an Ontario brokerage that specializes in restaurants and hospitality. Our page on how we quote and place your coverage explains each step, from your first call or form to the documents you receive and the service you get afterward.
Answers to common questions
The restaurant owner questions page collects short answers on coverage, cost, getting a quote, why a specialist broker matters and specific types of business. Each answer points you to a deeper page when you want more detail.
How to use these guides
If you are opening a new restaurant, read the cost guide first to set a budget, then the coverage pages to understand what a package includes. If you are renewing, check the factors that move premiums and gather the information we will ask for. If something is urgent, such as a lease signing, an AGCO application or a patio permit that needs a certificate of insurance, skip ahead and call us at (416) 346-6886.
Example: A first-time owner signing a lease for a small café in Leslieville reads the cost guide to set a budget, notes that the landlord wants $2 million in liability and to be named as an additional insured, and has the lease, floor plan and sales projection ready when our broker calls. The conversation takes twenty minutes instead of an hour.
Getting a quote
Use the form on this page or call us. One of our brokers asks about your operation, takes your application to insurers that suit your business, and walks you through the options. Once you choose, we set up the policy and stay with you for certificates, changes, renewals and claims. The quote is free and there is no obligation.
Common questions
Are these guides insurance advice?
No. They are general information to help you prepare. For advice on your specific business, talk to one of our hospitality brokers, and remember the insurer sets the final terms of any policy.
Where can I see prices?
Our cost guide is the one place on the site with estimated premium ranges. They are rough estimates, not quotes.
How do I get an actual quote?
Fill in the form on any page or call us at (416) 346-6886. One of our brokers will be in touch within one business day.
Get covered
Coverage built by brokers who know hospitality
One application. We shop it with insurers that want restaurant and hospitality business, then walk you through the options in plain language.