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What is Restaurant Insurance?

Restaurant insurance by AC&D includes packages specifically tailored to the restaurant and hospitality industry. We have represented the BC Restaurant & Food Services Association insurance program for over 30 years.

Finding the right restaurant insurance package requires the assistance of a broker with knowledge and experience in your industry.

At AC&D Insurance we have experience working with restaurant owners to find the most suitable package to fit their needs and budget. Due to our long-standing industry affiliations we can offer packages and specialized coverages that are not available through other insurance brokers.

The limits and types of insurance needed for each restaurant is different and we will work with you to find the right solution.

What does Restaurant Insurance Cover?

The main components of standard Restaurant Insurance policies are:

  • Commercial Liability
  • Commercial Property
  • Business Interruption
  • Crime

Additional Restaurant-specific insurance considerations include:

  • Host Liquor Liability
  • Employment Practices Liability
  • Food Borne Illness coverage
  • Cyber and Media Liability
  • Liquor and Wine Escalation Coverage
  • Art Collections

Why should I choose AC&D for my Restaurant Insurance?

Our experience insuring restaurant and hospitality businesses gives us an advantage over other insurance providers. We work closely with the restaurant and hospitality industry to design insurance packages suited to each restaurant’s individual needs.

How much does Restaurant Insurance cost?

The cost of Restaurant Insurance differs based on the scope of your operation and limits of coverage selected. Annual coverage for a small cafe can start as low as $750. Contact Us today to arrange a no-obligation review of your Restaurant Insurance needs from one of our expert brokers or Request a Quote.

Complete as much of this form as possible as all information is required to obtain a quote. If you would prefer to have an application sent by email or speak with a qualified broker directly, please complete the contact information only and  submit the form.

What date do you require coverage?
Preferred Method of Contact:

We are looking for the name of the current insurance company for this business, not the insurance brokerage. If not currently insured please advise "none"
Do you lease or own your premise:

Your Equipment (including leased equipment) and Leasehold/Unit Improvements are insured for the Replacement Cost New. Stock is insured at your cost
Type of Hospitality Business:

Check all that apply:

Frequency of Duct Work cleaning :

Please describe "Other" revenue below.
So that we may obtain limits required, please upload a copy of your current policy
This is a good place to add relevant details on the owners previous experience or other important details about the business. If there have been claims please advise the estimated date(s) and estimate amount(s) paid for each.
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North Vancouver

1315 Marine Drive

PH: 604-985-0581
PH: 1-800-229-3590

Mon-Fri: 8:30am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed

InsureBC Squamish

850-1200 Hunter Place

PH: 604-892-1033

Mon-Fri: 9am - 6pm
Sat: 10am - 4pm
Sun & Holidays: Closed


234 Reid Street

PH: 250-992-5544

Mon-Fri: 8:30am - 5:30pm
Sat: 9am - 5pm
Sun & Holidays: Closed