Food For Thought: 18 Coverages a Restaurant Owner Should Have!


As a restaurant owner, your hours are spent running your restaurant and you may not have time to think about your insurance coverage.   We get it!


With Sandbox Mutual Insurance’s Restaurant Package, we’ll ensure that you have the coverage you need at a price you can afford so that you can keep doing what you love most… taking care of your customers and your business!


This package is ideal for profitable licenced or unlicenced restaurants that have been claims free for the past three years.  Deep frying and/or grilling operations are accepted, as long as there is a ULC approved fire suppression system in place.

  • Annual gross receipts must be less than $2,000,000
  • Liquor receipts must be less than 40% of total sales.


As a restaurant owner, there are 18 coverages we recommend to protect you and your business!


Basic and Optional Coverage:

  1. Building, Equipment, and Stock
  2. Commercial General Liability
    • Limits up to $5,000,000 are available
  3. Blanket Crime Coverage
    • Employee Dishonesty
    • Loss Inside/Outside
    • Damage to Premises by Burglary/Robbery
    • Messenger Robbery
    • Money Orders and Counterfeit Currency
    • Depositors Forgery
  4. Business Interruption
    • Loss of Income and Extra Expense
  5.  Enhancement Endorsement -72
    • Extends and enhances included coverage
  6. Accounts Receivable
    • Covers losses resulting from the inability of the Insured to collect accounts receivable as a result of an insured loss or damage
  7.  Additional Insured (Landlord/Equipment Lessor)
  8. Building Damage by Theft
  9. Fire Department Charges
  10. Outdoor Signs
  11. Property in Transit and Temporarily Off Premises
  12. Valuable Papers
    • Coverage for the cost of research, repair or replacement of valuable papers and records
  13.  Glass
  14. Sewer Backup
    • Insures loss or damage to property insured caused by the backing up or escape of water or sewage from a sewer, drain, sump, septic tank, weeping tile or an eavestrough or downspout connected to a sewer
  15. Earthquake and Flood
    • Insures loss or damage caused by an earthquake and/or flood
  16. Equipment Breakdown
    • Protects against equipment breakdown, including loss of income
    • Three options available:
      • Basic coverage, excluding air conditioning and refrigeration equipment
      • Broad form coverage, including air conditioning and refrigeration equipment
      • Comprehensive coverage, including electronic equipment and loss due to spoilage
  17. Cyber and Data Compromise
    • Protects against damage to data and systems from a computer hack
      • Computer attack
      • Network security liability
    • Helps businesses notify and assist individuals following a breach
      • Response expense
      • Defense and liability
  18. Commercial Service Line
    • Provides payment for damage to piping, wiring and outdoor property when caused by a service line failure


For more information on Sandbox Mutual Insurance’s restaurant package, or for a competitive quote on insurance for your restaurant, please contact us here!  One of our knowledgeable and friendly Commercial Insurance Brokers would be happy to help!


Thank you,

The Costen Insurance Team