You are now leaving our website and entering a third-party website over which we have no control.
Small Business Insurance for Restaurants & Cafés
Restaurants and Cafés serve as vibrant gathering places, where people come together to savor delicious meals, share conversations, and create lasting memories. At TD Insurance, we understand that your establishment offers more than just food and beverages – it's a hub that helps the community connect. Let us help you customize an insurance policy based on the needs of your business, so you can continue to be the heart and soul of your community.
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Restaurant & Café Insurance is recommended for:
-
Family-owned Restaurants
-
Independent Coffee Shops
-
Neighbourhood Cafés
-
Juice Bars and Smoothie Shops
-
Breakfast and Brunch cafés
Why you need Restaurant & Café Insurance
Let’s get you started with a quote
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Coverage Options for Restaurants & Cafés
It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs,
so you'll be confident you're protected.
TD Insurance Savings Commitment
Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.
Claim Scenarios for Restaurant & Café
Potential Claim:
You are a go-to café for local customers, You work with a marketing agency to produce and mail out flyers claiming your coffee is the best in town. Another local business takes action against you for misleading advertising.
Potential Outcome:
Your commercial general liability policy may cover any related legal fees along with the settlement amount of the damages if you are found liable.
Potential Claim:
Outside of operational hours, a ceiling pipe bursts causing damage to your premises and some of your business contents such as your tables and chairs. You also need to close your restaurant for a short period of time while the repairs take place.
Potential Outcome:
Your commercial property policy may respond by covering the cost to repair/replace your premises and your contents. If you have added Business Income / Business Interruption coverage, you may be covered for actual income loss sustained for the period your business is shut down.
LEGAL DISCLAIMER
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.
1TD Insurance refers collectively to the following insurance companies:
1. Security National Insurance Company;
2. Primmum Insurance Company;
3. TD General Insurance Company;
4. TD Home and Auto Insurance Company; and
5. TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
2TD Insurance refers collectively to the following insurance companies:
• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are "TD Small Business Banking Customers" as defined below.
For the purposes of this Offer only, a "TD Small Business Banking Customers" includes a natural person or business entity who:
• has a TD Small Business Bank deposit or savings account;
• has a TD Business Mortgage or a TD Business Line of Credit, secured or unsecured;
• has a TD Business loan or Canada Small Business Financing Act loan through TD;
• has a TD Business Credit Card or other business credit card issued by TD;
• has a TD Business Investing product or account;
• has TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance.
This Offer provides a 5% discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Individually rated commercial automobile insurance policies and endorsements are excluded from this Offer.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
To receive the Offer, the policyholder's name on the TD Insurance business insurance policy must match the name of the natural person or business entity in whose name the product or account in the bulleted list above has been obtained.
Offer may be changed, withdrawn, or extended at any time, without notice.