Restaurant Insurance

As a restaurateur, you know there are many ingredients needed to run a successful business. After all, restaurant ownership is challenging enough, without having to worry about food spoilage, 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, workers compensation, vehicle insurance, and business interruption 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 issues facing the type of business you own or wish to create.

There are typically three important areas when making a solid restaurant insurance plan. These coverages include:

• Business Owners Policy (BOP)
• Workers' Compensation Insurance 
• Business Crime insurance 
  

We specialize in covering restaurants just like yours.

 We have everything you need right here, including:

• Monthly payment options 
• Temporary staff coverage
• Claims responsiveness 
• Tailored coverage 
• Knowledgeable agents 
• Events coverage 
  

Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

There has always been a great deal of confusion about the need for liquor liability, even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing. Here are the basics:

• “Dram Shop” Laws are established at the state level and hold alcoholic beverage servers financially liable for the harm that visibly intoxicated individuals cause to other people, themselves, or property 
• Liquor Legal Liability provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication
• Host Liquor Liability Insurance Policies cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers

Court decisions, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet, if not dwindling, market around the country. In fact, more than half the establishments serving alcohol in the United States choose to operate without liquor liability insurance coverage.

We make the liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get you the best possible coverage. We pride ourselves on taking care of our clients and their interests.

When an intoxicated patron leaves your bar or store, gets into his car, drives, and commits vehicular manslaughter, the victim’s family could sue the bar for both civil and criminal damages.

Or suppose a restaurant serves alcohol at a catered event, where two guests have a fight, and one incurs serious injuries at the hand of a drunk person.

It’s vital that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy. In the above examples, liquor liability insurance could help cover the bar’s legal costs, court fees, and any civil or criminal damages awarded.

When an intoxicated patron leaves your bar or store, gets into his car, drives, and commits vehicular manslaughter, the victim’s family could sue the bar for both civil and criminal damages.

Or suppose a restaurant serves alcohol at a catered event, where two guests have a fight, and one incurs serious injuries at the hand of a drunk person.

It’s vital that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy. In the above examples, liquor liability insurance could help cover the bar’s legal costs, court fees, and any civil or criminal damages awarded.

We specialize in covering local businesses like yours. We have everything you need right here, including:

• Monthly payment options
• Coverage of temporary staff
• Claims responsiveness
• Tailored coverage
• Knowledgeable agents

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.