New! Restaurant Insurance Package Policy
Summary
Reading Time
2 min
On December 1, 2022, Sandbox Mutual Insurance launched a new Commercial Insurance product, a Restaurant Package Policy, available to purchase from a Sandbox Insurance Broker.
Why did Sandbox create a package policy specifically for restaurants?
Though Sandbox has been writing insurance for restaurants prior to the release of this package, the Restaurant Package Policy allows brokers to quote and bind the policy without the help of a Sandbox insurance underwriter. If the applicant meets a certain criterion, the applicant as well as the broker will be able to save time and have their insurance policy in-hand quickly and easily.
What does the Restaurant Package cover?
The Restaurant Package includes basic coverages like property, crime, business interruption, and general liability. There are optional coverages that can be added such as sewer backup, glass, equipment breakdown and other special coverages as required by the business. We’ll provide you with options to create a package that is as unique as your restaurant!
Why Insurance Matters for Restaurants
Restaurants face unique risks—from kitchen fires to food spoilage to slip-and-fall claims. According to the Restaurants Canada association, over 90,000 foodservice businesses operate in Canada, many of which are small, independent establishments that can’t afford a major interruption. That’s why having the right coverage isn’t just smart—it’s essential.
How can I purchase or learn more?
If you are interested in learning more about the Restaurant Package Policy, you can visit our website here, or reach out to a Sandbox Insurance Broker.
Please note that the information in this article may not accurately reflect your insurance policy from Sandbox Mutual Insurance or another insurance company. Please refer to your policy or talk to your broker about your specific coverages.
FAQ'S
Do all restaurants qualify for the Restaurant Package Policy?
Not quite — but many will! As long as the business meets the eligibility guidelines (such as operating within standard restaurant or food-service practices), brokers can quote and bind coverage quickly without waiting for underwriting review. If your restaurant has a few unique features or higher-risk exposures, we can still help — it might just require a bit more underwriting love.
Can I customize coverage to fit my restaurant’s specific risks?
Absolutely. Every restaurant has its own recipe for success, and your policy should match yours. You’ll start with core coverages like property, crime, liability, and business interruption — then choose optional add-ons like equipment breakdown, glass, or sewer backup to fit your operations. Think of it as insurance à la carte.
Why should I choose a package instead of individual coverages?
Package policies simplify your life (and paperwork). Rather than piecing together multiple policies, everything you need is bundled into one — saving time, reducing coverage gaps, and helping you get insured faster. Plus, when the unexpected happens — a fryer accident, a power outage, or an overly ambitious soufflé — you’ll have one policy with the right protection ready to serve.
