Canadian Restaurant and Foodservices Association

The Program

In today's highly competitive restaurant business you need every advantage to succeed. That's especially true when it comes to selecting your insurance. Restaurants are unique and shouldn't be insured like other businesses. In order to meet these specific needs, LMS PROLINK Ltd. with the help of the CRFA has created a special restaurant package that broadens and increases coverage where restaurants need it most. Our goal is to provide you with the best service and insurance value anywhere in Canada.

Our Preferred Restaurant package for CRFA members provides many forms of coverage that are simply not found in standard coverage plans. As one of Canada’s leading independent insurance brokers (ranked 5th) we can assist you with all your insurance needs.

As a restaurant owner, your everyday concerns should be ambience and cuisine not liability and risk.

Liability & Property Program

CGL

What does a Commercial General Liability Policy (CGL) Insure?

CGL policy covers bodily injury and property damage to third parties. Coverage is triggered by a lawsuit that results from the negligent actions of an owner or employee.

Do you need to be concerned about Liability?

Lawsuits are the result of someone being harmed, either with bodily injury or damage to their property. Every restaurant has liability exposures, and can be named in a legal action due to the negligent actions of an owner or employee to a third party. Your major concern as a restaurant owner is to have the resources in place to defend such actions, so that your lively hood is not placed in jeopardy by such actions.
You can be held liable for:

Injuries or harm to customers – by food poisoning, over serving of alcohol, slip and fall, etc.

Injury or harm to employees

Damaged, lost or stolen property of third parties
While managing liability exposures should be a concern, the good news is that though a combination of a risk management program and insurance coverage you can protect yourself from most liability issues.

Property

As we all know the largest investment you made to begin your restaurant was in the design and décor of your restaurant. If a fire loss was to occur we would want you back in the same position you were in prior to the loss

The CRFA program offers replacement cost coverage on

Kitchen and dining equipment

Improvement and betterments

Stock

Building (if you’re the building owner)

Coverage included automatically

Top-up your coverage with easy enrollment "NO MEDICAL" products.

Life Insurance, up to $250.000	- A few short questions only.
Critical Illness coverage, up to $100,000	- A few short questions.
Critical Illness "Guaranteed Issue" $25,000	- Acceptance is guaranteed!
Accidental Death & Dismemberment, up to $250,000	- Acceptance is guaranteed!
24/7 Special Assistance program	- Help when you need it the most.
The “ULTIMATE” mortgage insurance protection plan
Life Insurance & Living Benefits, up to $500,000	- A one page application only.

Enrollment Takes Minutes!

Group Health & Benefits Programs

NEW! This comprehensive health, dental and benefits program has been customized exclusively for CRFA Members and their employees! Two plans have been tailored to meet the needs of Member owners & managers and their employees.
Find out more information about these great plans for owners & managers and employees.

CRFA Membership

Click on the application form below to obtain a quote and take advantage of the savings offered through CRFA membership.
Application Form