Small Business Insurance for Restaurants & Cafés

Restaurants and Cafés serve as vibrant gathering places, where people come together to savour 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 

Why you need Restaurant & Café Insurance

  • Protect your property & equipment

    Safeguard your equipment, such as your espresso machine or oven, from damages caused by insured events.

  • Mistakes happen

    If a customer falls ill after consuming food at your restaurant or café and you are found liable.

  • Business Income / Business Interruption

    Financial coverage if an insured event temporarily shuts your restaurant or café.

  • Shield your vehicle

    Protection for the vans that deliver lunch and dinner to your customers.

TD Insurance Savings Commitment

With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today1.

  • Bundle and save

    Save 5% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 5% for being an existing TD customer.1

Restaurant & Café Insurance is recommended for:


  1. Family-owned Restaurants

  2. Independent Coffee Shops

  3. Neighbourhood Cafés

  4. Juice Bars and Smoothie Shops

  1. Breakfast and Brunch cafés

  2. Caterers

  3. Takeout/Takeaway Restaurants

  4. Independent Restaurants

Let’s get you started with a quote

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.

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.


Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

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