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.
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.
Risk management tips for restaurant owners
Ensure regular housekeeping duties are completed, maintaining the building both inside and outside. This includes removing and depositing garbage and recyclable items in the proper receptacles.
Check tables, chairs, booths, stools and counters regularly for broken parts, splinters, rough or sharp edges as well as protruding nails or screws. Make needed repairs immediately.
A maintenance program that is proactive about identifying and preventing slip and fall hazards can help protect your patrons and your business.
In the event that a slip and fall incident is reported, an Accident Report Form should be available on site and completed by the claimant and/or any available witnesses outlining the details of the accident. Taking photos of the conditions at the scene of the accident, as well as the footwear the person was wearing on that day are also important pieces of information to collect.
If night deposits are used, ensure that more than one employee brings the deposit to the bank. Deposits should not be done at the same time each night and different routes should be taken to help deter theft.
Ensure sprinkler systems, portable fire extinguishers and fire detection systems are maintained on a regular basis and inspected regularly.
Keep all outdoor areas, including your parking lot, sidewalks and entrances, overhead signs, canopies and awnings in good condition and free of obstacles.