Restaurant Insurance
Create a Recipe for Success with Insurance You Can Trust
Once doors open, your responsibilities expand beyond your delicious cuisine.
You now need to be profitable! This redirects your attention to legal obligations,
payroll, management, marketing, system creation, maintenance, and customers.
Restaurant Insurance addresses the inevitable risks of business ownership,
allowing you to focus on what you do best.
Bon Appétit!
Once doors open, your responsibilities expand beyond your delicious cuisine. You now need to be profitable! This redirects your attention to legal obligations, payroll, management, marketing, system creation, maintenance, and customers. Restaurant Insurance addresses the inevitable risks of business ownership, allowing you to focus on what you do best.
Bon Appétit!
Serving a Variety of Food
Service Businesses
What's on the menu? We are proud to offer risk-management expertise to a wide range of food service businesses, including:
Cafes, Diners, Pizzerias, Catering, Fine Dining, Ice Cream Shops, Lounges, Bars, Food Kiosks, and more.
Do you own a food truck? These require on-the-go protection.
Connect with an ExpertServing a Variety of Food
Service Businesses
What's on the menu? We are proud to offer risk-management expertise to a wide range of food service businesses, including:
Cafes, Diners, Pizzerias, Catering, Fine Dining, Ice Cream Shops, Lounges, Bars, Food Kiosks, and more.
Do you own a food truck? These require on-the-go protection.
Connect with an ExpertSome “Whisks” Are Not Worth Taking
Do you serve alcohol? Make deliveries? Offer valet parking? You may have valuable collections
hanging on your restaurant walls. These variables can dramatically change your risk profile.
But in general, most restaurants share these risks:
Food Safety
Despite meticulous diligence, anytime you serve food, customer allergies, foodborne illnesses, or product complaints can lead to lawsuits, investigations, and lost inventory.
Customers
Customers keep you in business,
but anytime you heavily interact with
the public you’re susceptible to the
risk of customer injuries, theft,
and lawsuits.
Equipment
The equipment you use is pricey and often specific to your cuisine. The risk of these items breaking, getting damaged or stolen can result in lost time, money, and revenue.
Some “Whisks” Are Not Worth Taking
Do you serve alcohol? Make deliveries? Offer valet parking? You may have valuable collections hanging on your restaurant walls. These variables can dramatically change your risk profile. But in general, most restaurants share these risks:
Food Safety
Despite meticulous diligence, anytime you serve food, customer allergies, foodborne illnesses, or product complaints can lead to lawsuits, investigations, and lost inventory.
Customers
Customers keep you in business, but anytime you heavily interact with the public you’re susceptible to the risk of customer injuries, theft, and lawsuits.
Equipment
The equipment you use is pricey and often specific to your cuisine. The risk of these items breaking, getting damaged or stolen can result in lost time, money, and revenue.
Commercial Coverages for Restaurants
Commercial Insurance is complex and needs to be tailored to your restaurant.
Please connect with one of our experts and refer to your policy for specific coverage details.
Commercial Coverages for Restaurants
Commercial Insurance is complex and needs to be tailored to your restaurant. Please connect with one of our experts and refer to your policy for specific coverage details.
Business Owners Policy
A BOP combines general liability (in case someone gets injured at your restaurant) and property coverage (in case your building or inventory gets damaged due to a covered event) into a single policy.
Overnight, a gas stove caught fire. Thankfully no one was critically hurt, but valuable equipment, inventory, and the restaurant was damaged. A BOP could provide financial support to repair property damage, lost inventory, and any potential 3rd party legal or medical fees in case someone claims they were injured.
Business Owners Policy
A BOP combines general liability (in case someone gets injured at your restaurant) and property coverage (in case your building or inventory gets damaged due to a covered event) into a single policy.
Overnight, a gas stove caught fire. Thankfully no one was critically hurt, but valuable equipment, inventory, and the restaurant was damaged. A BOP could provide financial support to repair property damage, lost inventory, and any potential 3rd party legal or medical fees in case someone claims they were injured.
Income Loss
Covers the loss of income during a business shut down related to a damaging event.
Due to the fire, you needed to evacuate the building for a month. Income Loss coverage could help cover lost income and certain continued expenses while the building is being repaired.
Income Loss
Covers the loss of income during a business shut down related to a damaging event.
Due to the fire, you needed to evacuate the building for a month. Income Loss coverage could help cover lost income and certain continued expenses while the building is being repaired.
Product Liability
Covers the physical product (like your food or drinks) in case it is defective and leads to harm.
Unfortunately, a few customers complained of illness and insisted it traced back to your lettuce. If an investigation were to find E. coli you will need the financial backing for potential lawsuits or medical bills related to those complaints.
Product Liability
Covers the physical product (like your food or drinks) in case it is defective and leads to harm.
Unfortunately, a few customers complained of illness and insisted it traced back to your lettuce. If an investigation were to find E. coli you will need the financial backing for potential lawsuits or medical bills related to those complaints.
Employment Practices Liability
Insurance (EPLI)
This type of management liability insurance is necessary for anyone who has employees. EPLI helps cover lawsuits involving wrongful termination or discipline, discrimination, sexual harassment or retaliation, and failure to employ or promote, just to name a few.
You respectfully fired an employee after several complaints for bad service and tardiness. A few months later, you receive a notice that you are being sued by this ex-employee for wrongful discipline. EPLI could support your legal expenses to fight this charge.
Employment Practices Liability
Insurance (EPLI)
This type of management liability insurance is necessary for anyone who has employees. EPLI helps cover lawsuits involving wrongful termination or discipline, discrimination, sexual harassment or retaliation, and failure to employ or promote, just to name a few.
You respectfully fired an employee after several complaints for bad service and tardiness. A few months later, you receive a notice that you are being sued by this ex-employee for wrongful discipline. EPLI could support your legal expenses to fight this charge.
Crime
One way to protect company assets is through a Commercial Crime Policy. This includes protection against theft, forgery, employee dishonesty and more.
You have authentic sports memorabilia hanging on your restaurant walls for décor. You discover that an employee has been stealing and selling your collection. A Crime Policy could help you pay for an investigation and potential replacement costs of some of those items.
Pro Tip: Always make sure specialty items are “scheduled,” or named, within your insurance policy so that you have the right amount of coverage on these items.
Crime
One way to protect company assets is through a Commercial Crime Policy. This includes protection against theft, forgery, employee dishonesty and more.
You have authentic sports memorabilia hanging on your restaurant walls for décor. You discover that an employee has been stealing and selling your collection. A Crime Policy could help you pay for an investigation and potential replacement costs of some of those items.
Pro Tip: Always make sure specialty items are “scheduled,” or named, within your insurance policy so that you have the right amount of coverage on these items.
Inland Marine
Covers specialized property and mobile equipment (such as catering supplies, food trucks, and more) in case they are damaged or stolen while being transported on land.
A big part of your business is catering. If any of your mobile equipment gets stolen or damaged on the job, Inland Marine could help you replace it. .
Inland Marine
Covers specialized property and mobile equipment (such as catering supplies, food trucks, and more) in case they are damaged or stolen while being transported on land.
A big part of your business is catering. If any of your mobile equipment gets stolen or damaged on the job, Inland Marine could help you replace it.
Have You Met Eddy?
Check out our story about “Eddy’s Bakery,” for more
restaurant coverages and examples.
Meet Eddy!
