Restaurant Insurance

As a restaurant owner your hands are full managing your business and all that comes along with it. Your day is full of decisions - staffing, ordering & customers, that often your insurance can be an afterthought. Let us worry about your insurance while you worry about running your business.

In a restaurant there are several things that could result in a potential insurance claim.  Your kitchen can be a dangerous place and accidents can happen both in and outside of the kitchen.  Unfortunately when accidents happen they can affect your business, income, your ability to pay your employees.  A proper insurance policy designed specifically for your restaurant can help protect your business

We have the experience to craft the perfect insurance policy for you. While spending time with you reviewing your business and potential risks we will review the following coverages:

  • Property - coverage for your leased or owned building, business property and equipment, Stock & business interruption coverage.
  • Liability - bodily injury, property damage or medical payments from on-site accidents or other injuries or damages that occur while running your business.
  • Food spoilage - covering loss of perishable stock caused by temperature or humidity changes brought by certain mechanical breakdown or failure, contamination by refrigerants and power outages beyond your control.
  • Food contamination - pays for equipment cleaning, food replacement, certain medical expenses, loss of income, and advertising expenses related to a government-mandated, contamination-related shutdown.
  • Equipment breakdown - covering physical damage to refrigerators, ovens, heaters, air conditioners, cash registers, audio systems and other equipment from covered losses due to mechanical breakdown, operator error, short circuits, power surges and more.
  • Liquor liability - which covers attorney fees, settlements, judgments, damages and other expenses resulting from a covered alcohol-related event.