Restaurant Insurance

Insurance solutions that meet the special needs of restaurants.

Assault & Battery Insurance

Assault and battery insurance for restaurants offers vital protection against claims resulting from physical confrontations on premises, covering legal fees and damages. It’s essential for mitigating financial risks from violent incidents, ensuring business continuity and peace of mind​​​​​​. Benefits Insurance

Offering benefits is mutually beneficial for employers and employees; it aids in attracting and retaining talent, boosts employee morale and productivity, and fosters a supportive workplace culture, thereby contributing to the overall success and stability of the business Business Interruption Insurance

How would you keep your business afloat if you were forced to temporarily close? Business income (interruption) coverage can help replace income during the period of restoration. Business Auto Insurance

If you or your employees are involved in an accident, Commercial Auto insurance will protect your business from unexpected expenses, no matter whether you’re driving a single work truck or a small fleet of delivery vehicles. Commercial Property Insurance

Whether you own your free standing building, lease an office or work at home, Commercial Property insurance protects your business’ physical assets such as the building, its contents and any outdoor fixtures. Cyber Liability

Large or small, every business runs on technology, which means you face cyber risks. Cyber Liability insurance provides your business with coverages to help protect you from data breaches and other cyber security issues. Electronic Data Processing

Electronic Data Processing (EDP) Coverage insurance is essential for restaurants, safeguarding against data loss, hardware damage, and software issues. This coverage protects vital electronic data and equipment, ensuring seamless operations and data integrity in a tech-driven world​​​​​​. Employment Practices Liability

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. These claims impact all sizes of organizations and your company is not immune to such lawsuits. Employee Dishonesty Insurance

Employee Dishonesty insurance for restaurants offers protection against financial losses due to fraudulent or dishonest acts by employees, such as theft of money, securities, or property. This coverage is a safeguard for restaurant owners against internal risks​​​​. Food Contamination Insurance

Food Contamination insurance for restaurants is critical, covering losses from accidental contamination or tampering of food products. This insurance ensures financial stability and customer trust in the event of a contamination crisis​​​​. Food Spoilage Insurance

Food Spoilage Insurance is crucial for restaurants, covering loss of perishable goods due to power outages, equipment breakdown, or other covered events. It ensures financial protection against spoilage of inventory, essential for maintaining restaurant operations and reputation​​​​​​. General Liability Insurance

No matter your industry, if you want to cover risks which affect almost any business, you need General Liability insurance. It’s the most common insurance for small businesses and self-employed professionals. Hired & Non-Owned Auto Insurance

Hired & Non-Owned Auto Insurance provides crucial coverage for restaurants using vehicles they don’t own for business purposes, like delivery services. It safeguards against liabilities from accidents involving these vehicles, ensuring financial protection and business continuity​​​​​​. Liquor Liability Insurance

Liquor Liability Insurance for restaurants is essential, protecting against claims arising from alcohol-related incidents, like property damage or injuries caused by intoxicated patrons. It’s vital for legal and financial protection in an industry where serving alcohol is common​​​​​​. Mechanical (Equipment) Breakdown

Mechanical (Equipment) Breakdown insurance for restaurants is vital, covering repair or replacement of equipment damaged by mechanical or electrical issues. This insurance ensures uninterrupted operation, protecting against losses from equipment failures crucial to restaurant functionality​​​​​​. Utility Interruption Insurance

Utility Interruption Insurance is critical for restaurants, covering losses from utility service disruptions (like power, water, or gas). This protection is key in maintaining operations and mitigating financial setbacks during unexpected utility outages​​. Workers’ Compensation

Most states require you to purchase Workers’ Comp coverage in the event you or a worker experiences a workplace injury. It can help cover expenses for medical treatment, lost wages, and other costs. Umbrella/Excess Liability

A Commercial Umbrella policy adds an additional layer of protection to help safeguard your assets in the event you’re faced with the catastrophic impact of a large claim or lawsuit.