protecting you


 protecting your business 

insurance for pop up restaurants  

Pop-up restaurants are a recent phenomenon, and gaining in popularity every year.  They're a great way for non-restauranteurs, such as catering companies or Personal Chefs, to promote their businesses to a local community, using existing commercial kitchen or restaurant space without the huge investment of a full-scale restaurant.  They appear for a short time only, for example, they may appear for a single day or a week.

In many cases, our core program will cover your business for these occasional events at a lower cost than you would expect!  The location that you're considering will ask to be added to your certificate of insurance as an Additional Insured, and this can be done very easily.

risks of preparing food business

Operating any foodservice business without liability insurance is risky, and could cost you hundreds of thousands of dollars in the long run.  Would you pay someone to cook food for you who didn't care enough to protect your health and wellbeing?  Without the protection of liability insurance, a pop up restaurant would be responsible for any costs of a medical or legal claim.  If they don't have the money to pay, then, depending on the company structure, could leave the business owners responsible for these costs.

adding an additional insured for commercial kitchens and incubator kitchens 

Using a commercial kitchen or rental space with generally require the location to be added as an 'Additional Insured' on the certificate of insurance.  This can quickly and easily be done at any stage.  We can also increase Tenant's Legal Liability, if required, from the standard $100,000 to up to $2,000,000.  We have partnered with many commercial kitchens and incubator kitchens etc. across Canada and can introduce you to them, if required.

government regulations

Your local government will require that food for sale be prepared in a kitchen that has been inspected and meets health standards.  Cooking in your home kitchen will not be acceptable unless it has been inspected and is independent from your family kitchen and solely used for your business (i.e. not personal, home cooking).  This can be costly, especially if you have to have to create a new kitchen space.  An alternative is to use a commercial kitchen that rents by the hour or by the day.  

commercial general liability insurance

Commercial General Liability Insurance is a must for anyone preparing food commercially.  It protects you and your finances should there be a claim from someone consuming your food; it also protects should a claim arise from clients coming to your workplace for business-related meetings or to pick up food.  Without it, you will be personally liable for your legal fees and all the costs of a successful claim.  Having it protects your hard-earned income and gives you peace of mind.  This is where Chef Insurance comes in, and our Success Managers are always ready to assist and answer your questions.

large event coverage

We understand that many pop up restaurants cater large events, such as weddings, corporate events etc.  Although our standard coverage is for up to 20 people, we can increase this to cover events up to 200 people.  This Large Event Coverage (LEC) can be added to our standard packages at any time.  Read more about LEC.

accounting and tax considerations

Your accountant can advise you on how to set up your business to take advantage of tax rules relating to business expenses.  You should also discuss the best way to set up your business (e.g. a sole proprietorship, a corporation etc.) to declare income, whether you need to charge sales tax etc.  Remember, it is a crime to earn income, including tips, without declaring it to Canada Revenue Agency (CRA), and there can be serious consequences for doing so.  Being convicted of tax evasion can also lead to fingerprinting, court imposed fines, jail time, and a criminal record. When taxpayers are convicted of tax evasion, they must still repay the full amount of taxes owing, plus interest and any civil penalties assessed by the CRA.

Food safety

There are many practices that are OK for a home-cook preparing food for their own family that are not OK when preparing food for sale.  If you have not already done so, you should enrol in a course to get up-to-date food safety training.  After all, anyone working with food can have a serious effect on the health and wellbeing of those consuming the food - it could be a matter of life and death.  Being armed with the necessary knowledge of how to handle food correctly, is essential to any foodservice business.

The Chef Alliance is a leading foodservice association in Canada offering Chefs and Entrepreneurs a place to grow their business.  They can benefit from liability insurance to protect their clients and finances, peer support strengthen their business, discounts to lower their business costs, market their services and increase profits.  This leaves them time to concentrate on what they do best - cook great food!