Commercial Restaurant Insurance Quote Step 1 of 9 11% Applicant Name(s)Email Phone NumberOperating NameRisk Location Addresse.g. 10 Water Street, Somecity, ON. A1A 1A1 Year Applicant business was established at this current RISK LocationYYYYEXPERIENCE - In what year did the current management of the operation begin their experience in this type of business?YYYYIs the Applicant selling this business OR does the Applicant have plans to sell this business within the next 12 months? Yes No Did the Applicant PURCHASE this business from another party? Yes No What year did the Applicant purchase this business?YYYYWho will manage the day to day operations of the business?Please selectApplicant is keeping the existing managementApplicant is replacing the existing managementAre there any future plans to redevelop / tear down the risk location? Yes No Describe in detail future plans:Website: Loss HistoryHas the Applicant had any losses (insured or otherwise) in the last five years? Yes No Date of claim: MM slash DD slash YYYY Nature of claim:Please selectLiability - Property damage to othersLiability - Bodily injuryLiability - Financial loss to othersLiability - OtherProperty - Vehicle impact/aircraft impactProperty - Fire (not arson)Property - Fire by arsonProperty - BurglaryProperty - Change in TemperatureProperty - Change in temperatureProperty - EarthquakeProperty - Electrical currentProperty - ExplosionProperty - Falling objectProperty - FloodProperty - FreezingProperty - HailProperty - LandslideProperty - LightningProperty - Malicious actsProperty - OtherProperty - Overland waterProperty - RiotProperty - Sewer backupProperty - SmokeProperty - WindstormProperty - VandalismProperty - Vandalism by tenantProperty - TheftProperty - WaterProperty - Snow or iceProperty - Equipment breakdownLoss / Expenses Paid:Is the claim closed? Yes No Have all damages been repaired? Yes No Describe the loss control measures that are now in place to avoid a future similar loss:Has the Applicant had more than one claim or loss in the past five (5) years? Yes No Date of 2nd claim: MM slash DD slash YYYY Nature of 2nd claim:Please selectLiability - Property damage to othersLiability - Bodily injuryLiability - Financial loss to othersLiability - OtherProperty - Vehicle impact/aircraft impactProperty - Fire (not arson)Property - Fire by arsonProperty - BurglaryProperty - Change in TemperatureProperty - Change in temperatureProperty - EarthquakeProperty - Electrical currentProperty - ExplosionProperty - Falling objectProperty - FloodProperty - FreezingProperty - HailProperty - LandslideProperty - LightningProperty - Malicious actsProperty - OtherProperty - Overland waterProperty - RiotProperty - Sewer backupProperty - SmokeProperty - WindstormProperty - VandalismProperty - Vandalism by tenantProperty - TheftProperty - WaterProperty - Snow or iceProperty - Equipment breakdownLoss / Expenses Paid on 2nd claim:Is the 2nd claim closed? Yes No Have all damages been repaired? Yes No Describe the loss control measures that are now in place to avoid a future similar loss:Has the Applicant had more than two claims or loss in the past five (5) years? Yes No Date of 3rd claim: MM slash DD slash YYYY Nature of 3rd claim:Please selectLiability - Property damage to othersLiability - Bodily injuryLiability - Financial loss to othersLiability - OtherProperty - Vehicle impact/aircraft impactProperty - Fire (not arson)Property - Fire by arsonProperty - BurglaryProperty - Change in TemperatureProperty - Change in temperatureProperty - EarthquakeProperty - Electrical currentProperty - ExplosionProperty - Falling objectProperty - FloodProperty - FreezingProperty - HailProperty - LandslideProperty - LightningProperty - Malicious actsProperty - OtherProperty - Overland waterProperty - RiotProperty - Sewer backupProperty - SmokeProperty - WindstormProperty - VandalismProperty - Vandalism by tenantProperty - TheftProperty - WaterProperty - Snow or iceProperty - Equipment breakdownLoss / Expenses Paid on 3rd claim:Is the 3rd claim closed? Yes No Have all damages been repaired? Yes No Describe the loss control measures that are now in place to avoid a future similar loss:Prior InsuranceDoes the Applicant currently carry Commercial General Liability coverage? Yes No Current Insurer Name:Current Insurance Expiry Date MM slash DD slash YYYY Has the insured maintained continuous insurance on the business? Yes No Has the Applicant ever had insurance cancelled, declined or refused? Yes No Reason for decline/refusal/cancellationPlease selectDue to claimsDue to condition of buildingDue to non-payment, all outstanding premium has been paidDue to non-payment, all outstanding premium has NOT been paidDue to online salesDue to other underwriting reasonsDue to types of goods soldDue to vacancyInsurer is no longer willing to write this classOtherProvide details: Type of EstablishmentScroll through the drop down to find the operation that best describes the establishment.Please selectAdult cabaretBakeryBanquet hallBarBBQBistroBreweryBrunch spotBubble teaBuffetCafe/Coffee shopCafeteriaCasual diningCateringCraft DistilleryDeliDessert shopDinerDistilleryDrive-in restaurantFamily restaurantFast foodFine diningFood court vendorFood hall vendorFood truck/trailerGhost kitchens (delivery only) - Commercial kitchensHookah or shishaIce cream shopKaraoke loungeJuice barLegionLoungeMicrobreweryNightclubOtherPizzeriaPool HallPop-upPrivate clubPubRefreshment standRestaurantSports themed restaurantTea roomWine barIs this operation a franchise? Yes No Type of CuisineType of food / cuisine served (scroll through the dropdown to find the answer that best describes the cuisine. In the case of "fusion" select the primary cuisine):Please selectAfricanAlgerianAfghanArgentinianArmenianAustralianBelgiumBrazilianCaribbeanCajun/CreoleChineseEastern EuropeanEgyptianEthiopianFilipinoFrenchGreekHatianHawaiianIndonesianIndianJamaicanJapaneseKoreanLebaneseMalaysianMediterraneanMexicanMiddle easternMoroccanNordic (Scandinavian)North AmericanPakistaniPeruvianPolishPortugueseRussianSouth AmericanSpanishSri LankanSwissSyrianTaiwaneseThaiTurkishTunisianUkrainianVietnameseGross Revenue Last 12 monthsFood & Non-Alcoholic Beverage (Incl. Catering)Alcohol ServedLiquor storeBrewery - sold, not servedDistillery - sold, not servedWinery - sold, not servedAccommodationsMerchandiseCoin Operated MachinesSports ActivitiesReservation/Booking FeesCover chargesMembership DuesHookah / Shisha SalesGross Revenue Next 12 monthsWill your Gross revenue increase or decrease in the NEXT 12 months? Increase Decrease Stay same Sales will increase by the following percentage:Enter in % PercentageSales will decrease by the following percentage:Enter in % Percentage Size of PremisesTotal area of Applicant's premises:Square FeetWhat is the total seating capacity?e.g. 50 Indoor and 20 on the patioHours of operationWhat is the establishment's TYPICAL/REGULAR (incl weekends) opening time? Hours : Minutes AM PM AM/PM What is the establishment's TYPICAL/REGULAR (incl weekends) closing time (EXCLUDING special occasions)? Hours : Minutes AM PM AM/PM What is the establishment's ABSOLUTE LATEST closing time (INCLUDING special occasions)? Hours : Minutes AM PM AM/PM SeasonalityIs the Applicant's operation closed seasonally? Yes No What is the longest duration that the operation will be closed for in the off-season?Please select1 month2 months3 months4 months5 months6 months7 months8 months9 months10 months11 monthsDescribe, in full detail, all measures the Applicant takes to mitigate loss while the establishment is closed:Music, Dance & EntertainmentIs there a dance floor? Yes No What is the square footage of the dance floor?sq ftHow often is the dance floor typically utilized?Please selectOnly occasionally for special events (max once per month)1 night per week2 nights per week3 nights per week4 or more nights per weekAre drinks allowed on the dance floor? Yes No Does the Applicant host any concerts, DJ's or live bands? Yes No How often are there concerts, DJ's or live bands?Please selectOnly occasionally for special events (max once per month)1 night per week2 nights per week3 nights per week4 or more nights per weekDoes the Applicant have any private karaoke rooms? Yes No Is there any adult / exotic entertainment? Yes No Is there any mechanical bull or ride-on type game? Yes No Is there any use of bubbles, foam, dry ice, special lighting or pyrotechnics? Yes No Does the Applicant sell any cannabis products? Yes No Regulatory ComplianceHas the Applicant ever had any violations with any authority governing their operation? Yes No Provide details and dates:Commercial Kitchen InfoIs there a deep fat fryer, commercial range, charbroiler, grill/griddle, wok or other similar commercial grade heat-generating cooking appliance where oil and/or grease laden vapour is present or can be generated at the location? Yes No Is there a UL300, ULC1254.6 certified automatic fire extinguishing system and NFPA #96 compliant commercial hood, plenum, duct and ventilation system in the commercial kitchen facility? Yes No The Applicant attests that all hoods, flues, plenum, grease traps, ducts and ventilation systems must be cleaned, serviced and maintained by a properly trained and qualified third party contractor in cleaning of commercial cooking systems at least every 6 months? Yes No The Applicant attests the certified automatic fire extinguishing system above is cleaned, serviced, and maintained by a trained and qualified third party contractor at least every 6 months under contract? Yes No The Applicant attests that if a Deep Fat Fryer is present, a non-combustible receptacle will be used to store waste and batter scraps and will be removed from the premises at the end of each frying session? Yes No The Applicant attests that there is a fully operational class K (minimum) portable fire extinguisher and fire blanket kept within 30 feet of any range, charbroiler, grill/griddle, deep fat fryer, wok, or similar heat generating cooking appliance? Yes No Alcohol InfoDoes the establishment serve any alcohol? Yes No Does the Applicant ensure all individuals serving alcohol have taken a provincial responsible alcohol training program (i.e. Smart Serve, Serving It Right, ProServe, etc.)? Yes No Does the Applicant carry appropriate licensing for the service of alcohol? Yes No Does the Applicant ensure that all personnel have been duly trained and certified as required by local authorities for the service of alcohol? Yes No Does the Applicant have procedures (in writing) regarding the service of alcohol which include ALL of the following: ensuring patrons are of appropriate age, preventing over-serving, the handling of intoxicated patrons to ensure they arrive home safely? Yes No Does the Applicant have a written procedure in place that requires contacting the police immediately in the event that a patron has been warned NOT to operate a motor vehicle, but still drives away? Yes No Does the establishment have any roaming "shooter" (alcohol shots) service? Yes No DeliveryIs there delivery services provided? Yes No Does the Applicant subcontract ALL delivery services to 3rd party companies (i.e. Uber)? Yes No Does the Applicant ensure that all motor vehicles not owned by the Applicant carry a minimum of $2 million auto insurance with this specific business use covered? Yes No Security / EntryDoes the Applicant have door security (doormen/bouncers)? Yes No Provide details of when and why doormen/security are utilized at the establishment:Does the Applicant levy a cover charge to enter the establishment? Yes No How often does the Applicant charge for entry?Please selectNot regularly - only for special eventsRegular basis - max 1-2 times per weekRegular basis - alwaysLiability / UpkeepAre all appliances connected with braided hoses? Yes No Does the Applicant have surveillance cameras covering the interior and exterior of the premises with footage retention protocol? Yes No Does the Applicant maintain an incident log and retain records for a minimum of five (5) years? Yes No Are there stairs leading to or from the establishment entry / exit? Yes No Are there any stairs in the interior of the establishment? Yes No Valet ParkingDoes the establishment provide any valet parking services? Yes No Who provides the valet parking service?Please selectEmployees of the applicantSubcontractedDoes the Applicant obtain proof of insurance from the valet service provider? Yes No Snow & Ice HazardHow is de-icing/snow removal handled for the premises?Please selectApplicant is not responsible - snow/ice removal by landlordApplicant is not responsible - snow/ice removal by municipalityApplicant is responsible - handled by Applicant themselves as neededApplicant is responsible - snow/ice removal by an insured contractorThe Applicant attests that they will maintain a snow removal log (retaining records for at least 5 years) – and understands this is a requirement of insurance if granted? Yes No CoveragesCommercial General Liability:Please select$1,000,000$2,000,000$3,000,000$5,000,000Tenants Legal Liability:Please select$250,000$500,000$1,000,000Tenants Legal Liability:Please select$250,000$500,000$1,000,000$2,000,000Tenants Legal Liability:Please select$250,000$500,000$1,000,000$2,000,000$5,000,000Employment Benefits Liability Extension:Please select$0 - Not required$1,000,000Employment Benefits Liability Extension:Please select$0 - Not required$1,000,000$2,000,000Employers Liability:Please select$0 - Not required$1,000,000Employers Liability:Please select$0 - Not required$1,000,000$2,000,000Non-owned Auto Limit:Please select$0 - Not required$1,000,000Non-owned Auto Limit:Please select$0 - Not required$1,000,000$2,000,000Non-owned Auto Limit:$0 - Not required$1,000,000$2,000,000$5,000,000How many times per month does the Applicant(s) (or it’s employees) utilize an automobile not owned/leased by the Applicant(s) for business purposes (deliveries etc.) (if never, pls enter “0”)?Are non-owned vehicles used to transport people? Yes No Limited Pollution Liability (S&A)Please select$0 - Not required$1,000,000Limited Pollution Liability (S&A)Please select$0 - Not required$1,000,000$2,000,000Deductible (Liability):$1,000$2,500$5,000$10,000$25,000 Optional Miscellaneous Articles FloaterDoes the Applicant require Miscellaneous Articles Floater coverage? Yes No Miscellaneous Articles Floater Amount Requested:Optional Property (on premises) CoverageDoes the Applicant require property (on premises) coverage at this risk location? Yes No Does the Applicant request COED basis (one combined single limit for Business Personal Property, tenants improvements and Stock/Inventory)? NOTE: to enter separate limits for Business Personal Property and Stock/Inventory (and a slightly lower rate), answer NO to this question. Yes No COED - Contents of Every Description Amount (combined single limit of Business Personal Property (including tenants improvements) and Stock/Inventory):Business Personal Property Amount (contents, equipment, EDP, tenants improvements) excluding stock/inventoryStock / Inventory amount:Does the Applicant(s) require coverage for stock kept at a storage location? Yes No Address of storage locatione.g. 10 Water Street, Somecity, ON. A1A 1A1 Is there a monitored alarm (burglary and fire) in operation at the storage location? Yes No Type of storage buildingPlease selectMini / self storage complex (fully gated and secured)Garage / Shed / Detached structureContainer units located outdoorsResidenceCommercial buildingStock/Inventory Limit Amount - storage location declared in applicationOptional Business Interruption CoverageBusiness Interruption – Actual Loss Sustained:Please selectCoverage not required12 Months18 Months24 MonthsExtra Expense - Limit Requested:Please select$10,000$25,000$50,000$75,000$100,000Optional Additional PerilsSewage Backup Coverage Yes No Flood Coverage Yes No Earthquake Coverage Yes No Optional Additional PerilsOptional Equipment Breakdown Not required Required Is there any Production (manufacturing or processing) Machinery? - Does not include standard kitchen equipment such as stoves, ovens, etc. Yes No Value of manufacturing or processing equipment:Select a Spoilage Coverage limitPlease select$0 - Not required$25,000$50,000Optional Crime CoverageOptional Crime Coverage:Please select$0 - Not required$10,000$25,000 Property Deductible:Please select$1,000$2,500$5,000$10,000$25,000Location / Building DetailsWhat year was the building built?Construction Material:Please selectWood FrameMasonry veneerMasonry (including mill)LogNon-combustable - HCBNon-combustable - (All steel structure)Fire resistive (poured concrete)Fire resistive (concrete tilt up)Modular / PrefabSteel frame with fabric coveringClayStrawInsulated concrete formsRoofing Material:Please selectAsphalt shinglesCedarClay / slateFlat Deck / Tar + GravelGreenMetalRubberStrawThatchedZincMultiple - more than one of the above roof typesYear of latest roof update:Heating:Please selectBaseboard electricBoiler - in floor radiant heatBoiler - water baseboardCombination - forced air furnace with add on wood burning unitFireplace insertsForced air furnaceHeat pumpPlug-in space heatersRadiant ceiling heat panels - electricStoves (Wood heat, pellet)Wall furnace Wall heaterWood heat applianceBuilding is not heatedRoof top HVAC systemYear of latest heating update:Electrical:Please selectCircuit breakersFusesMixed - more than one of the above typesYear of latest update to electricalPlumbing type:Please selectCopper, PEX, PVC, ABSPolybutyleneGalvanized steelKitecCast ironMixed - more than one of the above types of plumbingBuilding does not have plumbingYear of latest update to plumbingDoes the premises have a monitored alarm (both fire and burglary) system? Yes No Does the premises have security bars or security film installed on all glass windows and doors? Yes No Is the premises sprinklered? Yes No Natural Disaster ExposureIs this risk located in a flood zone? Yes No What is the distance to the nearest body of water (in meters)?MetresHas the risk location ever been evacuated or put on notice of evacuation due to flood? Yes No Provide details:Is this risk location within 25 kms of a current wild fire? Yes No Provide details:Has the risk location ever been evacuated or put on notice of evacuation due to wildfire? Yes No Provide details:
