Case Study: Covering a Unique Multi-Operation Food Business

Jan 2026

The Context 

A broker came to SWG to obtain insurance for a Portuguese cuisine business operating as an unlicensed takeout restaurant, a catering service, and a food truck. The business had two physical locations, one in Toronto and another in North York, creating a unique risk profile with multiple operations and exposures. 

The Business Need 

The client needed comprehensive coverage that could protect all aspects of their business. Managing these diverse risks under separate policies would have been costly and complicated, so the client required a streamlined solution that was both affordable and easy to manage. 

The Solution 

SWG leveraged its expertise in specialty insurance to craft a single, tailored policy that encompassed all operations and locations. By consolidating coverage under one policy, our team simplified risk management for the client and delivered a highly competitive premium. This solution demonstrated SWG’s ability to handle unconventional, multi-location risks efficiently while supporting businesses in the food industry.