Restaurant Insurance

As a restaurateur, you know there are many ingredients needed to run a successful business. And restaurant ownership is challenging enough, without having to worry about food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite.

Restaurant insurance helps protect you from the risks you face as a restaurant owner so you can put your focus where it belongs: your food, your customers, and providing a great experience.

Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk, and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, worker's comp, vehicle insurance and business interruption insurance.

Who Needs Restaurant Insurance?

We offer insurance to cover all food service businesses including:

  • Bar Insurance
  • Café Insurance
  • Cafeteria Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Food Delivery Insurance
  • Fast Food Insurance
  • Pizza Restaurant Insurance
  • Lounge Insurance

Some restaurants require specialized coverages, and we can help you navigate the issue facing the type of business you own, or wish to create.

What’s to consider in a restaurant insurance policy?

The following are typical restaurant coverage choices. There are typically three important areas to making a solid restaurant insurance plan. These coverages include:

  • Business Owners Policy (BOP) which protects restaurants through general liability property insurance, loss of income coverage and more. It may also provide protection against lawsuits and other financial liabilities that result from customers slipping on a wet floor, or building damage from fire, or lawsuits and other business related risks.
  • Workers' Compensation Insurance can help cover medical costs and a portion of lost wages for employees who become sick or are injured on the job.
  • Business Crime insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery.
  • Restaurant Vehicles may also need to be covered in some cases.

Worried about the cost?

We offer competitively priced policy options, from several insurance companies, covering restaurants like yours. 

Why We're Different

While insurance products may seem similar, they are vastly different, especially in the commercial insurance market. The lowest price may cost you in the end.

Since there is no such thing as a "one-size-fits-all" insurance policy, as independent insurance agents, we offer multiple companies to give you a choice.

Contact us today to learn more!