Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Restaurant Insurance
From kitchen mishaps to customer incidents, our restaurant insurance has got you covered so you can focus on creating unforgettable dining experiences.
Running a restaurant comes with its own set of risks and challenges.
The potential for financial loss is high, from kitchen accidents to liability claims from customers. That's why Restaurant Insurance is essential for any restaurant owner or manager. At our insurance agency, we offer comprehensive Restaurant Insurance solutions designed to meet the unique needs of restaurant businesses.
Here are some key features of our Restaurant Insurance coverage
Property Coverage
Our Restaurant Insurance covers your restaurant's property, including the building, equipment, furniture, and inventory. This coverage helps protect your property from unexpected events, such as fire, theft, or weather-related incidents.
Liability Protection
As a restaurant owner or manager, you can be held liable for injuries or damages on your property. Our Restaurant Insurance provides liability protection, helping to cover the costs of legal fees, settlements, and judgments related to liability claims.
Workers' Compensation
If one of your employees is injured on the job, our Restaurant Insurance provides Workers' Compensation coverage, which can help cover medical expenses, lost wages, and other costs related to the injury.
Liquor Liability
If your restaurant serves alcohol, Liquor Liability coverage is a must-have. Our Restaurant Insurance provides coverage for damages and injuries that occur as a result of alcohol-related incidents.
A restaurant needs general liability insurance to cover bodily injury or property damage claims that result from accidents, like slips and falls.
Solution
General liability insurance covers the damages caused by these accidents. It also covers product liability which protects your restaurant from claims arising from food-borne illnesses.
Liquor liability coverage
Risk Factors
You may be held liable if you caused or contributed to someone’s intoxication through the sale or service of liquor.
Solution
If your restaurant sells or serves alcoholic beverages, you’ll need to purchase liquor liability insurance to cover your business from any lawsuits filed against your business.
Business income coverage
Risk Factors
If a fire or another peril damages property at your restaurant and your business is forced to shut down, you could suffer a significant income loss.
Solution
To protect your business, you can avoid such events by purchasing a business income coverage.
Spoilage coverage
Risk Factors
Food stored in refrigerators or freezers may spoil if cooling equipment breaks down or shuts off due to a power outage.
Solution
You can insure your restaurant against costly spoilage losses by purchasing spoilage coverage.
Employee theft coverage
Risk Factors
Restaurant employees may steal their employers' food, cash, and other property.
Solution
Theft by employees is an excluded peril under a typical property policy. However, you’ll need to buy employee theft coverage to protect your business.
