Restaurant Insurance in NS, NB & PEI

As a restaurateur, you know that there are many ingredients needed to run a successful business. Don’t get caught overlooking a critical piece by exposing your restaurant to unneeded risks–make sure you get a Nova Scotia Restaurant Insurance policy.

Restaurant insurance keeps your food establishment in business with all-in-one property, liability, worker’s comp, vehicle, and business interruption insurances. The cost is one of the best reasons not to delay: you won’t believe how inexpensive it can be to protect your work. Before one more plate of food goes out, make sure you’re covered.

What Does Restaurant Insurance Cover?

Nova Scotia restaurant insurance is a critical part of a successful business plan. Its coverage includes general business protection but also includes unique features, like:

• Liquor liability
• Food contamination
• Specific perils

If you have a bar, a delivery service, and a large storage facility, then you need more than just a general business policy. You can customize your policy based on the features of your business.

Liquor Liability 101

There has always been a great deal of confusion about the need for liquor liability – even among insurance professionals. Liquor liability laws vary greatly by province, and insurance policy coverage options are often confusing. Here is some basic information on the subject:

• “Dram Shop” Laws: hold alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the province level. They can apply not only to bars, liquor stores and restaurants, but also to social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
• Liquor Legal Liability: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person’s intoxication. This coverage is provided by a separate policy and will only cover establishments ‘in the business of’ manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
• Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.