Food spoilage
Covers the loss of food products following equipment breakdown, power outage or a covered claim.
Business insurance
Restaurant and hospitality insurance
A business is a living space: customers, employees, equipment, fast pace and unexpected events. Behind every well-run service are very real responsibilities. We support you in protecting your establishment and your daily business operations.
Our expertise
Supporting your operations, from service to closing time
Restaurants and hospitality businesses face very specific risks: variable customer traffic, specialized equipment, and liability toward customers and staff. Courtika supports businesses in the sector with restaurant and hospitality insurance solutions tailored to their operations.
As your broker, we analyze your situation to offer consistent, clear coverage aligned with your industry’s requirements.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects the building, leasehold improvements, equipment and contents against losses caused by covered claims.
Covers bodily injury or property damage caused to customers or third parties during restaurant operations.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Compensates for sudden and accidental damage to essential equipment, such as ovens, refrigerators or refrigeration systems.
Protects against damage caused by sewer backup or water infiltration not covered by basic coverage.
Compensates for lost income and certain fixed expenses when a claim forces the temporary closure of the restaurant.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes. With equipment breakdown coverage and food spoilage protection, losses caused by equipment failure can be compensated.
Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.