Just like a hawk and a robin are different breeds of birds, there are many different kinds of restaurants. All need coverage, but what will work for a cocktail lounge may not be the best fit for a family diner. We pride ourselves on offering a restaurant insurance package customized to you, so you can get the right coverage for your business.

This program is exclusive to Brio Insurance and designed with the restaurant and lounge industry in mind.

• Food-borne illness — loss of income coverage.
• Blanket property limits increased to the next $500,000 limit with no premium charge.
• No-limit business interruption protection.
• Broad form crime package.
• Comprehensive general liability, including liquor liability.
• Automatic program extensions tailored to the restaurant / lounge industry.

Trucking is another breed of business that we offer insurance for. We can help your trucking company get the most efficient insurance and provide risk management solutions. Whether your flock… errr we mean fleet, of vehicles is big or small, we’ll help make sure you and your business are covered.

Here are some common policy features:

• Bottom-up evaluation
• Fleet-audit process
• Vehicle radius review
• Weighted average process – cargo insurance
• Deductible risk-reward analysis
• 100-day flight plan
• Managing your risk management program

Grow your business with peace of mind knowing you’ll have the right coverage for the specific needs of your business. Our policies have exclusive coverages such as a five-year replacement cost for equipment and rental reimbursement. Policy features also include protection for buildings, contents, equipment, and liability.

Here are some common policy features:

• Buildings and contents
  Debris removal, exterior glass, land and water pollution clean-up, and more.
• Business interruption
  Contingent property, extra expenses, and off-premises utilities.
• Crime
  Comprehensive coverage for dishonesty, disappearance, and destruction.
• Inland marine
  Property in transit or temporary locations, tools, and more.
• ‘Safety Net’ enhancement
  An additional limit to be used in the event of a claim that exceeds the limit provided for any applicable coverage.

Brio understands the challenges that this industry has faced and knows how important it is to protect building owners of residential multi-tenant occupied properties. Enjoy the protection you need and feel safe knowing your insurance provider is staying up to date with government regulations and industry trends.

Here are some common policy features:

• Buildings and contents
  Building by-laws, debris removal, exterior glass, land and water pollution clean-up, and more!
• Business interruption
  Contingent property, extra expenses, and off-premises utilities.
• Crime
  Comprehensive dishonesty, disappearance, and destruction coverages.
• Inland marine
  Property in transit or temporary locations, tools, and more!
• ‘Safety Net’ enhancement
  An additional limit to be used in the event of a claim that exceeds the limit provided for any applicable coverage.