Restaurant insurance helps protect restaurants and food service businesses in Montreal and across Quebec against risks such as property damage, liability claims, equipment breakdown, and business interruption.
KBD helps restaurant owners compare commercial restaurant insurance options to secure coverage tailored to their operations.
Find the best restaurant insurance rates in Quebec
KBD is a restaurant insurance broker with over 40 years of experience helping businesses secure the right coverage.
We provide food and restaurant business insurance to food service businesses located in Montreal and across Quebec.
Comparing rates from Canada’s leading restaurant insurance companies
Restaurant insurance coverage we provide:
Restaurant liability insurance
We provide restaurant liability insurance for new and existing restaurants, cafés, and delis. This coverage protects your business if a customer is injured or if your operations cause property damage.
Property coverage
Coverage for your restaurant’s equipment, furniture, inventory, and building contents. This protection helps cover losses caused by fire, theft, vandalism, water damage, and other common risks.
Cyber insurance
Cyber insurance protects restaurant owners from financial losses related to POS system breaches, credit card fraud, and other digital security risks.
Speak with the same expert every time you call
Your own dedicated representative.
If you are looking for peace of mind and want to save time, working with an experienced advisor can make a difference.
KBD assigns every client a dedicated commercial insurance expert who understands the risks faced by restaurants and food service businesses.
Our clients say it best
More than 600 5-star reviews onLeah N.
Shawn B.
Nathan T.
Brian B.
Get a restaurant insurance quote today
Restaurant insurance in Quebec: Your questions answered
How much does restaurant insurance cost in Quebec?
The cost of restaurant insurance in Quebec varies significantly depending on the type of restaurant, its location, and its operations.
Restaurants located in downtown Montreal may pay higher premiums than those in suburban areas because of increased risk exposure and building density.
Insurance companies typically calculate premiums based on factors such as:
- Your restaurant’s claims history
- The percentage of alcohol sales
- The construction type of the building
- The deductible amount you choose
- The size and operations of your restaurant
Because every restaurant operates differently, the best way to know your price is to compare quotes from multiple insurers.
How can restaurants lower the cost of their insurance policy?
Restaurants often pay higher insurance premiums than other businesses because they tend to generate more claims. However, there are several ways to help reduce insurance costs.
Restaurant owners can lower premiums by:
- Cleaning kitchen exhaust and ventilation systems regularly
- Maintaining safe, dry floors to prevent slip-and-fall incidents
- Storing cash in a secure, hidden safe
- Avoiding small claims whenever possible
- Choosing a higher deductible (often between $2,500 and $10,000)
Maintaining strong safety practices can help reduce risk and improve your insurance profile over time.
What does restaurant insurance cover?
A typical restaurant insurance policy includes several types of protection designed for hospitality businesses.
Common coverages include:
- Building insurance – protects the restaurant property from risks such as fire, vandalism, water damage, and earthquakes.
- Tenant improvements (betterments) – covers upgrades made to the space if you lease your restaurant.
- Contents and stock coverage – protects furniture, inventory, and food supplies.
- Equipment breakdown insurance – covers repairs or replacement of kitchen equipment.
- Business interruption insurance – replaces lost income if the restaurant must temporarily close after an insured loss.
- Commercial liability insurance – protects against injury or property damage claims from customers.
- Cyber insurance – helps protect against data breaches or cyber incidents.
A broker can help tailor your coverage based on the size and operations of your restaurant.
How can I get a restaurant insurance quote in Quebec?
Getting a restaurant insurance quote usually starts with providing a few basic details about your business.
At KBD, we’ll typically ask about:
- Your restaurant’s location
- The type of food service you operate
- Annual revenue and seating capacity
- Whether alcohol is served
- Your claims history
A commercial insurance broker can then compare quotes from multiple insurance companies to help you find the best coverage and pricing for your restaurant.
How much does restaurant insurance cost in Quebec?
The cost of restaurant insurance in Quebec varies significantly depending on the type of restaurant, its location, and its operations.
Restaurants located in downtown Montreal may pay higher premiums than those in suburban areas because of increased risk exposure and building density.
Insurance companies typically calculate premiums based on factors such as:
- Your restaurant’s claims history
- The percentage of alcohol sales
- The construction type of the building
- The deductible amount you choose
- The size and operations of your restaurant
Because every restaurant operates differently, the best way to know your price is to compare quotes from multiple insurers.
What does restaurant insurance cover?
A typical restaurant insurance policy includes several types of protection designed for hospitality businesses.
Common coverages include:
- Building insurance – protects the restaurant property from risks such as fire, vandalism, water damage, and earthquakes.
- Tenant improvements (betterments) – covers upgrades made to the space if you lease your restaurant.
- Contents and stock coverage – protects furniture, inventory, and food supplies.
- Equipment breakdown insurance – covers repairs or replacement of kitchen equipment.
- Business interruption insurance – replaces lost income if the restaurant must temporarily close after an insured loss.
- Commercial liability insurance – protects against injury or property damage claims from customers.
- Cyber insurance – helps protect against data breaches or cyber incidents.
A broker can help tailor your coverage based on the size and operations of your restaurant.
How can restaurants lower the cost of their insurance policy?
Restaurants often pay higher insurance premiums than other businesses because they tend to generate more claims. However, there are several ways to help reduce insurance costs.
Restaurant owners can lower premiums by:
- Cleaning kitchen exhaust and ventilation systems regularly
- Maintaining safe, dry floors to prevent slip-and-fall incidents
- Storing cash in a secure, hidden safe
- Avoiding small claims whenever possible
- Choosing a higher deductible (often between $2,500 and $10,000)
Maintaining strong safety practices can help reduce risk and improve your insurance profile over time.
How can I get a restaurant insurance quote in Quebec?
Getting a restaurant insurance quote usually starts with providing a few basic details about your business.
At KBD, we’ll typically ask about:
- Your restaurant’s location
- The type of food service you operate
- Annual revenue and seating capacity
- Whether alcohol is served
- Your claims history
A commercial insurance broker can then compare quotes from multiple insurance companies to help you find the best coverage and pricing for your restaurant.