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.

Whether you own an old-school deli or an avant-garde gastropub, your basic needs will be the same when it comes to insuring your restaurant. There are typically three important components to creating a solid restaurant insurance plan:

• Business Owners Policy (BOP) 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, building damage from a 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.
  

You may need additional coverage if your restaurant serves alcohol, makes deliveries, or offers valet parking. Let us know what your restaurant needs and we will build a customized insurance plan for your business.

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
  

Some restaurants require specialized coverages, and we can help you design the perfect insurance policy for your business. 

We know that insurance can seem overly complicated at times. That's why we're here.

Our team understands that your restaurant and your needs are unique. That’s why we take the time to customize an insurance policy for your situation.

If you have any questions about insuring your business or want to review an existing policy, please do not hesitate to contact us. We are always happy to review your options with you.