How Insurance Protects Restaurants

restaurant liability insurance
restaurant liability insurance
May 15 2019 2 min read

Most restaurant owners in Ontario know just how important their small business insurance is to their long term success.


Commercial general liability insurance protects restaurants against third party claims for bodily injury or property damage, but we understand that restaurants have other unique needs too. Here are a few specific areas of coverage that restaurants need and that Erie Mutual provides:

Loss of Income Coverage

If you suffer a loss, we want to ensure that you do not lose out on income. Business Interruption coverage is there for you when you experience lost sales or production.

Stock and Equipment Insurance

Protecting your expensive commercial equipment and all of your dining furniture is vital to your business. Equipment is usually covered under Replacement Cost form while stock is covered under Actual Cash Value. We work with our restaurant owning Erie members to ensure property limits are determined and in place.

restaurant insurance

Technology and Cyberone Coverage

If you rely on technology to run any portion of your business, we understand electronic security. Cyberone coverage is recommended with all commercial policies and includes computer attack and network security liability.

Defence and Settlement Coverage

These costs are included in Cyberone coverage. We highly recommend this coverage for every business that relies on a computer for daily activity.

Whether you are a long-time restaurateur or looking to open a new restaurant, working with Erie Mutual Insurance will make sure your business is protected.

Our restaurant insurance packages cater to your needs. All you need to do is speak with one of our qualified insurance advisors to find the right policy for you. Each policy contains a specific list of extensions and limits that are catered to the needs of your business. The limits can be increased if those already included are inadequate for your business requirements. Erie Mutual understands that each restaurant we insure is unique and we want your insurance policy to be catered to you.

Erie Mutual Insurance proudly serves the commercial insurance, farm insurance, home insurance and auto insurance needs of members throughout Southern Ontario including Haldimand, Niagara and Hamilton.

Please don’t hesitate to contact us with any questions you may have about this or any other topic related to your insurance.

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Erie Mutual
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