Find the best restaurant insurance rates

KBD is a restaurant business insurance broker in Canada with 40+ years of experience.

We offer property, cyber and liability insurance to restaurants located in the provinces of Quebec & Ontario.

Comparing rates from Canada’s leading restaurant insurance companies
Restaurant insurance coverage we provide
Liability

We provide Liability Insurance to new and existing restaurants, delis and cafés.

Property

Coverage for your restaurant’s assets that protects against fire, theft, vandalism, water damage and more.

Cyber

Insurance that protects the restaurant POS in the event of credit card scams.

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a restaurant insurance quote today

Canada restaurant insurance FAQs

How much does restaurant insurance in Canada cost?

The annual cost of business insurance for restaurants and bars varies greatly. Location plays a big role; insuring a downtown Montreal restaurant would be more expensive than insuring one in the suburbs considering the city is more congested and harder for fire departments to get to in the event of a fire, for example. Here are some other factors that determine the annual restaurant insurance price:

  • Claims history
  • Percentage of alcohol sales
  • Construction material of the building
  • Your deductible amount

What's covered on a restaurant business insurance policy?

Building – If your restaurant or bar owner is the building owner, you can purchase insurance that will cover it from fire, vandalism, water, earthquakes and more.

  • Betterments – Applicable to restaurants who are tenants.
  • Contents
  • Stock
  • Equipment breakdown
  • Business interruption
  • Liability
  • Cyber Insurance

How do I lower the price of my restaurant insurance policy?

Restaurants pay higher business insurance rates in comparison to other industries because restaurants make more claims than others. Here are some ways to lower your premium:

  • Make sure your CO2 ducts are cleaned at least every 6 months.
  • Keep your restaurant clean and floors dry so customers won’t slip and injure themselves.
  • Put your cash vault in a secure location, ideally hidden away.
  • Avoid making small claims.
  • Increase your deductible. We suggest a deductible between $2,500 and $10,000, which will help keep your overall premiums down.

Does KBD offer restaurant insurance online quotes?

You can fill out an online quote for your restaurant on our partner website, Intact Insurance by clicking on the Get Your Online Quote button. Complete the 11 questions in order to receive a restaurant insurance quote. If you are interested in the price and protections provided to you, fill in your contact info and one of our brokers will be in touch!

How much does restaurant insurance in Canada cost?

The annual cost of business insurance for restaurants and bars varies greatly. Location plays a big role; insuring a downtown Montreal restaurant would be more expensive than insuring one in the suburbs considering the city is more congested and harder for fire departments to get to in the event of a fire, for example. Here are some other factors that determine the annual restaurant insurance price:

  • Claims history
  • Percentage of alcohol sales
  • Construction material of the building
  • Your deductible amount

How do I lower the price of my restaurant insurance policy?

Restaurants pay higher business insurance rates in comparison to other industries because restaurants make more claims than others. Here are some ways to lower your premium:

  • Make sure your CO2 ducts are cleaned at least every 6 months.
  • Keep your restaurant clean and floors dry so customers won’t slip and injure themselves.
  • Put your cash vault in a secure location, ideally hidden away.
  • Avoid making small claims.
  • Increase your deductible. We suggest a deductible between $2,500 and $10,000, which will help keep your overall premiums down.

What's covered on a restaurant business insurance policy?

Building – If your restaurant or bar owner is the building owner, you can purchase insurance that will cover it from fire, vandalism, water, earthquakes and more.

  • Betterments – Applicable to restaurants who are tenants.
  • Contents
  • Stock
  • Equipment breakdown
  • Business interruption
  • Liability
  • Cyber Insurance

Does KBD offer restaurant insurance online quotes?

You can fill out an online quote for your restaurant on our partner website, Intact Insurance by clicking on the Get Your Online Quote button. Complete the 11 questions in order to receive a restaurant insurance quote. If you are interested in the price and protections provided to you, fill in your contact info and one of our brokers will be in touch!