Insurance designed for restaurants

Eating out is a nice treat. But while customers get to kick back and relax as they wait for their meal, there’s plenty going on behind the scenes at any restaurant that you, as the owner, need to worry about. Operating a food services business comes with a unique set of risks. Our insurance solutions for restaurants are designed to deal with those risks.

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We offer solutions for:

  • Cafés and coffee shops
  • Family dining restaurants
  • Quick services restaurants
  • Fine dining restaurants

Why restaurant owners trust us

Federated Insurance has been protecting Canadian businesses of all sizes for over 100 years. After working with both franchise and independent restaurant operators, we understand the risks you’re exposed to every day.

So whether you run a fine dining restaurant, a quick service location, or a coffee shop, we’re here to help. Take advantage of our industry expertise to get a tailored and comprehensive commercial insurance solution designed specifically for your business.

At Federated Insurance, we provide:

  • Customized insurance solutions designed for restaurants
  • Dedicated advisors who work with you directly
  • Expanded coverage options
  • Flexible payment and deductible options
  • Quick, no-hassle renewals
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Common risks restaurant owners face

With so much going on behind the scenes at restaurants, owners have a great deal to keep in mind. It’s important to be aware of the risks you face, and take the right steps to mitigate them. The following are some of the key areas of risk restaurant owners should be aware of:

*Statistics are reflective of Federated Insurance’s internal claims data from 2017.


Do you want to learn more about risks restaurant owners face and the appropriate steps to take against them?

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Risk management tips for restaurant owners

Risk management tips for restaurant owners

Restaurant insurance coverages

Our toolbox is filled with options designed to ensure that your restaurant is properly protected:

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Work with us directly

Federated Insurance works directly with you. Whatever your needs, our team of industry-trained experts will ensure that your restaurant is properly protected.

We take the time to understand your business today and in the future, so that as your business evolves, we’ll be there to help ensure that your coverage is aligned to meet the needs of your operations.

Value-added services for your restaurant

Once you become a customer, you’ll have access to an array of value-added services for your restaurant that include:

Superior claims handling: Our claims professionals are skilled in handling claims in the food service industry. They’re available 24/7 to resolve your claim and get your restaurant back up and running as quickly as possible.

Dedicated advisors: Our Commercial Insurance Specialists have the expert knowledge and experience required to develop tailored insurance programs to fit the unique needs of your restaurant, while also providing expert advice and support along the way.

Loss prevention expertise: Access to our highly-trained loss prevention consultants to answer your questions and provide you and your employees with valuable safety advice.

Safety programs: Tools to help you create, implement and maintain safety programs, with a focus on identifying, communicating and mitigating risks.

Trauma assistance: Confidential one-on-one counselling services to help you through traumatic loss.

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Latest blog posts for restaurants

Check out our latest blog posts for some tips on business, customer, employee and operational safety for restaurants: