Restaurant Insurance

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
Don't let your customer's errors in judgement cost you!

Don’t let your customer’s errors in judgement cost you!

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. Coverage for a small cafe can start as low as $600. Contact Us today to arrange a no-obligation review of your Restaurant Insurance needs from one of our expert brokers or Request a Quote.