Restaurant Insurance in Alberta.

Yes. If you hold an AGLC licence, your business can be held responsible for injury or damage caused by a patron who was over-served, and liquor liability is the coverage that responds. Alberta also expects every member of your serving staff to be ProServe-trained. We make sure the coverage matches your licence and how you serve.

That is a food and product liability claim, and it is generally covered within your commercial general liability policy. It responds when a customer becomes ill or has a reaction tied to the food you served. Good food-safety practices and Alberta Health Services compliance cut the risk, but the coverage is there for when a claim still comes.

If the cooler suffers a sudden and unexpected breakdown, equipment breakdown coverage can pay for the spoiled stock and the income you lose while it is down. That internal failure is specifically left out of a standard property policy, and this is the gap it fills. It does not cover a unit that simply wears out, so maintenance still matters.

Yes. You need a food-establishment permit and are inspected by Alberta Health Services, most cities require a municipal business licence, and serving alcohol requires an AGLC licence. These are separate from insurance, but they shape the coverage you need, and we build the program to line up with them.

Fire is a covered cause under most commercial property policies, and commercial kitchens are a leading source of it. What matters is that your build-out, equipment and contents are insured to the right value, that you carry business interruption for the closure that follows, and that your suppression system and cleaning are maintained. We go through all of it with you before the policy is set.

There is no flat rate. Your premium depends on the work you do, your revenue, your Alberta location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most restaurants go from first conversation to bound coverage within a few business days.

Yes. Velocity is an Alberta brokerage and we write commercial coverage anywhere in the province, including small towns, rural operations, and remote work sites. We work primarily by phone, email, and video, so where you are based does not change the service you get.

Most start with commercial property for the building, stock, and equipment, and commercial general liability for third-party injury and property damage. Vehicles add commercial auto, contractors add tools and equipment coverage, property owners add loss of rental income, and service and professional businesses add professional liability. We build the mix around your operation.

Hail is generally covered under a commercial property policy, and hail damage to vehicles falls under comprehensive auto coverage. What matters is whether your building is insured to replacement cost and what your deductible looks like, because in Alberta hail is a when, not an if. We confirm both before you need to claim.