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Food shops insurance

Desjardins Insurance’s food shops insurance can help your business through a variety of difficult situations, such as if:

  • Your office was destroyed by fire or vandalism.
  • A customer brought a lawsuit against you.
  • A business had to shut down, depriving you of income.
  • Your business documents were lost or destroyed.

For more information about our food store insurance and food shop liability, please contact your Desjardins Agent.

Customizable features

Coverage for your business property

Such as buildings and other structures, inventory, property in transit and much more.

Comprehensive general liability

It helps protect you financially against claims and lawsuits.

Business interruption

It offers protection in case you must close your business because of a covered loss.

Accounts receivable

It covers loss of monies due to you that are non-collectible because of damage to accounts receivable records.

Sewer backup

It provides coverage for accidental direct physical loss to business personal property at your location.

Computer equipment and electronic media

It offers coverage for computer equipment used in the business operation.

Identity restoration and data compromise

It provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, become a victim of identity fraud.

Employee dishonesty

It offers coverage for direct physical loss of business personal property, including money and securities, caused by dishonest acts committed by employees.

Equipment breakdown

It offers coverage for mechanical breakdown of covered equipment such as refrigeration equipment, heating or air conditioning units.

Food contamination - loss of income endorsement

It covers business income, direct damages and additional advertising expenses if your business is ordered closed by health authorities or any other governmental authority as a result of food contamination.

Money and securities

It provides coverage for the loss of business money and securities caused by theft, disappearance or destruction from described premises, a bank or savings institution, while being conveyed by a messenger or armored car, or within the residence of a messenger.


It offers coverage for accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control.

Stock spoilage

It covers loss to perishable goods on your premises caused by a change in temperature, humidity or pressure that is the direct result of specified conditions in the endorsement.

Off-premises services interruption

It provides loss of income coverage due to failure of communications, water, natural gas or electrical service to your insured premises for more than eight consecutive hours (see policy provisions).

A Desjardins Agent can help you customize a plan for your business that can include a business policy, commercial auto and financial services.

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits or services may not be available for all businesses and vary in some provinces. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

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