Running a restaurant means managing more risk before lunch service than most businesses see in a month — open flames, hot equipment, a full dining room, staff on the floor, and perishable inventory in the back.
Park Insurance builds restaurant coverage around the full picture: your kitchen, your dining room, your license, and the income that stops the moment your doors close.
Wondering if your current policy actually matches how you operate today? A free Business Insurance Audit will tell you.
Why BC Restaurants Need the Right Coverage
- Kitchen fire exposure — commercial cooking is one of the highest fire-risk operations a storefront can run
- Liquor liability — if you’re licensed, serving alcohol adds a liability exposure your standard CGL may not fully address
- High guest volume — more covers per night means more slip, burn, and illness claim potential
- Thin recovery margins — a few weeks closed for repairs can erase a season of profit without business interruption coverage
Core Coverage for Restaurants
Liability & Liquor Liability
Commercial general liability for guest injuries and foodborne illness claims — with liquor liability for licensed rooms.
Equipment & Spoilage
Covers breakdown of the equipment your kitchen runs on — and the inventory lost when refrigeration fails.
Business Interruption
Replaces lost revenue and covers fixed costs while a covered loss keeps your dining room dark.
Frequently Asked Questions
Do I need liquor liability if I only serve beer and wine? If you serve alcohol under any license, liquor liability exposure exists. Your broker will make sure your coverage matches your license type and service model.
Is my patio covered? Seasonal patios, sidewalk seating, and their furnishings should be specifically reflected in your policy. If you’ve added or expanded a patio since your policy was written, it’s worth an audit.
What happens if a kitchen fire closes us for a month? Property coverage handles the physical damage; business interruption replaces the income you lose while closed. Both need limits that reflect your actual revenue — underinsurance here is common.
Does delivery change my coverage? It can. Whether you use third-party apps or your own staff, tell your broker — delivery affects your liability picture.
How It Works
Audit: Send us your current policy for a free, no-obligation review — or start fresh if you’re opening a new room.
Coverage: We build recommendations around your kitchen, your license, and your actual operations.
Advocacy: When a claim happens, your Park broker advocates for you through the entire process.
Part of our Main Street Insurance program for local storefront businesses.
Find out if your restaurant is properly protected.