It’s not surprising that Ottawa spends many hours in cafes and restaurants. For Entrepreneurs in That Sector, it’s an enjoyable experience. However frenzied off the rails you’re and how exhausted you are, ensure that you have the best insurance plan to guard against your specific risks. Today, we’ll look at our top choices for the insurance of restaurants and cafes.

1: Public Liability Insurance

This insurance covers you if you cause injuries or damage through work-related actions. It’s easy to be at the end of a claim when you’re the one to be tripped over! It is a must-have protection for customers visiting and departing from your restaurant or cafe.

2: Workers Compensation Insurance

This insurance is required when you employees for you. It means employers will receive reimbursement for any wages or other expenses related to an employee in the event of an effective workers’ compensation claim.

3: Personal Accidents and Illness

Suppose you suddenly were in a position of no work because of illness or injury. In that case, you could face an unexpected loss of income that could result in a significant financial loss. Insurance for personal accidents and diseases is a way to receive a certain percentage of your earnings until you can return to work.

4: General Contents and Property

By utilizing this type of insurance, all furniture, stock, and other equipment in your cafe get protected in the event of a fire, danger, or accidental destruction. It also covers the items you carry in your work, like laptops, computers, and other electrical equipment.

5: Breakdown of Machinery and Equipment

Insurance can cover machinery and breakdown coverage for equipment that will protect you if damages to your cafe or restaurant’s equipment get caused by an accident.

6: Storm and Fire Damage

There is no way to anticipate every circumstance; unexpected events like storm damage or fire can create destruction in certain instances. In the event of fire or weather damage, you’ll get paid for the damage resulting from these events.

7: Glass Broken

Imagine going to your restaurant or cafe only to discover that there’s a window that has broken. That is not only a hassle but also costly to fix, which is why insurance for glass damage is crucial.

8: Theft

The theft cover protects you against loss or damage to inventory that may result from the theft or attempted theft at your place of business.

9: Business Interruption

If your business can’t continue to operate normally following an event like a fire or storm, that implies that your restaurant or cafe has yet to earn any cash. A business interruption policy will cover the loss of income from covered incidents.

In Commercial Insurance Ottawa, we provide a variety of insurance plans for restaurant and cafe owners so that you can conduct your business with no worries. We will take the time to evaluate your risk and identify the most effective insurance options.

Contact the Commercial Insurance Ottawa team today by calling (613) 454-5640 or emailing us at for cafe and restaurant insurance.