RESTAURANT INSURANCE

Owning a restaurant is rewarding, but it also comes with its share of risks. From kitchen accidents to property damage and customer lawsuits, you need reliable protection that ensures your business stays thriving no matter what happens. Our tailored restaurant insurance policies give you peace of mind, so you can focus on delivering unforgettable dining experiences to your customers. 

We offer a full range of coverages designed to protect every aspect of your restaurant business, including:

General Liability Insurance: Protects against third-party claims for bodily injury, property damage, and personal injury. Whether it’s a slip-and-fall incident or a customer’s damaged belongings, this coverage keeps your business safeguarded.

Property Insurance: Covers damage to your restaurant's physical location, including buildings, kitchen equipment, and furnishings, from fire, theft, vandalism, or other disasters.

Business Interruption Insurance: If a covered event like a fire or storm forces your restaurant to close, business interruption coverage helps replace lost income so you can recover faster.

Workers' Compensation: Ensures your employees are covered if they are injured on the job, providing medical benefits and wage replacement.

Liquor Liability: If your restaurant serves alcohol, this protects your business in case a patron causes harm due to intoxication, ensuring you're not left financially vulnerable.

Cyber Liability Insurance: With the rise of online ordering and digital payments, cyber insurance protects your restaurant from the costs of data breaches and other cyber threats.

Commercial Auto Insurance: For restaurants that offer delivery services, this covers your vehicles and drivers in case of accidents or damage.

Equipment Breakdown Insurance: Essential for restaurants, this coverage ensures that you can quickly repair or replace essential kitchen equipment without incurring huge out-of-pocket costs.

Running a restaurant means you're exposed to a range of potential risks every day. Without the right insurance, a single incident could severely impact your bottom line or even force you to close your doors. Here’s why having comprehensive restaurant insurance is vital:

Financial Protection: Avoid costly out-of-pocket expenses from lawsuits, property damage, or employee injuries.

Regulatory Compliance: Many states require restaurants to have specific coverages like workers’ compensation and liquor liability insurance.

Peace of Mind: Knowing that you're protected from unexpected events allows you to focus on growing your business without worry.

Customer Trust: Having insurance demonstrates that you take your business, employees, and customers seriously, enhancing your reputation.