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Restaurant and hospitality insurance quote
Restaurants, bars, hotels, inns — complete protection for your commercial establishment in Quebec.
Frequently asked questions
What does restaurant insurance cover?
Liability (including customer accidents), kitchen equipment, building, loss of income, food contamination and theft. A complete commercial policy is recommended.
Does my home insurance cover if I operate a B&B?
No. Commercial use in a residence requires separate commercial insurance or a specific endorsement. Personal insurance can be cancelled without disclosure.
What are the specific risks in the hospitality industry?
Liability to guests, damage to guest property, liquor liability (dram shop), workplace accidents and loss of income from claims.
Restaurant and hospitality insurance in Quebec
Restaurant, bar, café, hotel, inn — each type of establishment has particular risks — kitchen, alcohol, customer service, rental occupancy. A tailored policy protects your property, your liability and your income. Partner brokers specialized in HRI insurance (hospitality, restaurant, institutions).
What typical protections typically cover
- Commercial property — kitchen equipment, furniture, décor
- Liability — incidents with guests, food poisoning
- Host liability (bar, alcohol service)
- Business interruption — lost income after a claim
- Cyber — attacks on payment systems
How it works
- Complete the form above (2-3 minutes).
- A partner broker contacts you within 24 business hours with a quote comparing multiple insurers.
- You decide — no obligation to purchase.
Frequently asked questions
How much does restaurant insurance cost?
Between $3,000 and $12,000/year depending on size, type of kitchen and alcohol service.
Is host liability mandatory?
It is not legally mandatory in Quebec, but strongly recommended for any establishment serving alcohol.
What does business interruption cover?
Your lost income, continued salaries and fixed costs while your business is closed for repairs.
Is cybersecurity important for a restaurant?
Yes. Payment systems and customer lists are common ransomware targets.
Why choose AccesDirect
- One form — multiple quotes.
- Partner brokers with access to 20+ insurers.
- Free service with no commitment.
- Independent comparison tool — no ties to any particular insurer.
- Response in 24 hours.
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