Commercial Insurance

for Food & Beverage Providers

Commercial Insurance

for Food & Beverage Providers

Excalibur Insurance keeps Ontario restaurants cooking with coverage you can understand and afford.

Excalibur Insurance keeps Ontario restaurants
cooking with coverage you can understand and afford.

What coverage do I need & where can I save on business insurance?

It’s the first question any food or beverage manufacturer asks.. How do I protect what I’ve built while being smart with my dollars? As a food service professional in Ontario there will be coverage you can’t turn on the fryers without, coverage to protect your team, coverage to protect your special equipment, and more. We’re here to help make sense of it.

The team at Excalibur supports food & beverage producers in all settings. Your business may be a small café, bakery, food truck, a chain of pubs or a catering company. Whatever your service model, it’s important to address the common exposures and challenges that face food & beverage service specifically. Every stage of the process, from sourcing, processing, plating, to distributing faces risks. A thorough coverage review will ensure you; your customers & team are protected accordingly.

Rest assured that the Excalibur team will review all possible coverages to protect you from significant loss.

We always keep these items front of mind.

You need to keep
your team working.

We help you prioritize the liability coverage options that protect you in case a customer or other party takes legal action against you or your team. You can keep working with confidence knowing you are covered.

You need the flexibility to do business when it works for you.

We ensure you have the ability to access real time proof of insurance certificates and make changes to your coverage when it makes sense for you. After hours, in the early morning quiet or on a quick coffee break.

You need to know
we’re a handshake away.

The only thing better than our coverage, is the commitment of our Excalibur Defenders – who double check coverage, and champion small business owners at every turn of the wheel. If you need us we’re there.

At Excalibur insurance group, our commercial insurance specialists help you manage risk using our special risk and rate control process. We use our process, so you only buy the coverage you need; you have different options to consider, and we can help you evaluate and understand them.

We Make Your Business
More Appealing to Insurers.

1. We review common insurer pain points.

2. We leverage our risk prevention expertise.

3. We strategically package your submission for a quote.

Food & Beverage businesses, we can protect:

  • Restaurants
  • Fast-Food Chains
  • Pubs
  • Bars
  • Café’s
  • Cafeterias
  • Food Delivery Services
  • Catering Businesses
  • Coffee Shops
  • Deli’s
  • Food Manufacturers
  • Bakeries
  • Food Delivery Drivers
  • Food Packaging
  • Food Transportation
  • Smoothie Stands
  • Pastry Shops
  • Sandwich Shops

The range of professionals in the Food & Beverage industry is varied, and professionals in the field have a wide range of duties and tasks. Food service professions face new risks and exposures everyday as an industry that is constantly faced with increased and changing customer requirements.

Our team of Excalibur Defenders are there to provide business insurance suggestions and advice on how to manage your risks. If you are a Food & Beverage provider and you don’t see your business listed, don’t hesitate to reach out.

OR, Just give us a call and speak to an Excalibur Defender


Let’s Begin with the Coverage You Need to Grow Your Business.

Our Excalibur Insurance Brokers might ask a lot of questions – for good reason.

Given the wide variety of procedures and means of being involved in the food & beverage industry there are unique risks and exposures you face. Professionals who work in the Food & Beverage industry tend to be some of the most invested business owners of any industry and are often passionate and mindful of delivering the highest quality experience possible to their consumers. Unfortunately, there are plenty of challenges that come with working in the Food & Beverage service industry. Once identified, these can be adequately managed with proper risk management procedures and business insurance coverage.

There are a few areas of concern you may want to consider when reviewing your coverage as a food & beverage provider. While we will review specific coverages below these main categories are especially relevant to your industry.

Risk Management for Food & Beverage Professionals

As a food service professional, you are working directly with clients – and their health. Having a understanding of what risks your industry may face and how it affects both you, your team, and your operations will help you focus on “Will this taste amazing’s” and not “What if’s”

  • Property
    The first and most common exposures any Food & Beverage enterprise may be faced with. In businesses where food is kept refrigerated or frozen, a power outage may result in food spoilage or equipment/mechanical failure. Natural disasters, fires, heavy snowfall, and hail are all prevalent issues. Slips and falls, burns, and general premises liability injuries to third-parties, employees, and customers are another exposure. Restaurants or businesses where food is being heated and prepared may face exposure to fire damage due to frequented use of open flames and combustible appliances. Appliances and machinery that are connected to water lines may also be exposed to the risk of sewer backup, blockage, or pipe rupture.
  • Crime
    Is another exposure that Food & Beverage industry businesses are exposed to, especially due to the frequented usage of cash and the constant in-and-out flow. Thieves may not only come from external sources but could also be employees and guests. Supplies, equipment, and merchandise may also be exposed to the risk of crime. Depending on where the business is located and when it operates, it may be at higher or lower exposure to theft.
  • Equipment Breakdown
    is also prevalent to the Food & Beverage industry, especially businesses that require cooking appliances, refrigeration units, and more. Not only could the breakdown of equipment and machinery result in a stall in business interruptions or a prolonged closure, but it could cause property damage or even bodily injury to employees and guests.

Business Insurance
for Food & Beverage Producers

Designing the perfect business policy means assembling the unique coverage for your business. The ideal coverage may depend on size, annual revenue, what services you offer, how many customers you have space for, your equipment, location and more. Excalibur Insurance Group can help you find the appropriate coverage for your circumstances and help preserve your business’ bottom line.

While you may not need all the coverages listed below, it’s worth getting familiar with the ways your business can protect itself. A well protected business is a reliable one – able to confidently craft the next taste sensation without fear.

Here are some of the Commercial Insurance types you should consider for your contracting business:

Commercial General Liability Insurance

Commercial General Liability, or CGL, is the most basic form of business insurance coverage. It may cover a food & beverage professional from accidents both in-and-outside of regular services. This includes lawsuit expenses due to incidents of slips and falls, structural collapse, or other incidents.

Commercial Property Insurance

If you have a brick and mortar spot your business calls home – you might want to protect it. This coverage protects your business premises against losses due to theft, fire, vandalism, falling objects and other ‘named perils’

Business Interruption Insurance

Many small businesses are not insured if something happens where they need to temporarily close due to a claim. A fire, flood or break in may temporarily halt business and create serious cash flow stress.

Crime Insurance

Commercial “Crime Insurance & Employee Dishonesty” coverage helps protect businesses of all scale and scope from losses due to crime that can occur within or outside your organization.

Commercial Umbrella Insurance

Commercial “Umbrella” Liability coverage extends the limits and coverage of your Commercial General Liability (CGL) insurance capacity. It acts like a shield moving to fill gaps that might exist in your individual policies.

Directors and Officers

D&O coverage protects boards of directors and officers against lawsuit expenses. This includes public, private, profit, and non-profit organizations.

Equipment Breakdown

Equipment Breakdown Insurance protects the equipment your business depends on from sudden and accidental, physical damage that requires its repair or replacement.

Cyber Insurance

Cyber Insurance helps cover expenses when your network is hacked, or your data is stolen. It can include coverage for extortion, crisis management, and business interruption expenses.

Commercial Auto & Fleet Insurance

Commercial Auto coverage ensures that any vehicles used by your business, occasionally or full time, are protected in the case of an accident.

Liquor Liability for Food & Beverage

If your business produces and/or serves liquor as part of its operations this may cover the cost of damages, medical bills, as well as legal expense, defense costs, or settlement fees that could occur should an intoxicated person cause injury to themselves, someone else, or a third-party’s property.

Managing risk can be difficult when Food & Beverage businesses face risks that typical manufacturing businesses do not. Fortunately, Excalibur Insurance Group has the resources you need to cover and protect your business against its specific risks – no matter what stage it is at in the Food & Beverage process – and will help align coverage in accordance with your individual business requirements.

The smallest mistake in the production, transport, packaging, or delivery stage could result in a compromised finished food or beverage product. Contamination, especially in the Food & Beverage industry, can be dangerous – for your reputation but also for the health of your customers.

You can have coverage for all the common exposures you face and for the specialized exposures specific to the way you run your operation. Discuss with an Excalibur Insurance professional today to determine a coverage plan for your Food & Beverage business.

You deserve an insurance broker who leaves nothing to chance, wants to save you money – and is willing to tell you the unvarnished truth.

OR, Just give us a call and speak to an Excalibur Defender


Jeff Roy

President & CEO
[email protected]
(519) 482-9357

Ken Colquhoun

VP Personal
& Commercial Sales
[email protected]
(226) 423-3015

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