Let's face it, a restaurant can be a risky place. From fast moving servers to sharp knives and hot pans, restaurant owners face a unique set of challenges when it comes to protecting their business. Make sure your business is properly covered, so you can get back to what's important - the food.
Just like a typical small business, a restaurant owner needs to take proper precaution against the threats of property damage, third party liability and workers compensation claims. But with specialized equipment and perishable foods, there are insurance coverages to protect every aspect of your business.
Types of Coverages
General Liability: A customer gets sick with a foodborne illness or a slippery floor causes a patron to fall. Liability insurance protects against these types of third party claims and lawsuits due to property damage and bodily injury.
Commercial Property: Accidents happen. Your restaurant needs protection from potential risks such as severe weather events, fire, theft, vandalism.
Commercial Auto: Does your business provide a delivery service? Make sure you and your drivers are covered against the risks of the road such as damage to your vehicle and injury.
Do I Need Restaurant Insurance?
To stay protected, all restaurants and food related business can benefit from the coverages of restaurant insurance, including:
- Restaurants and Cafes
- Take Out Restaurants
- Coffee Shops
- Ice Cream & Frozen Yogurt Shops
Our team specializes in working with business owners to find the right insurance coverages to protect their restaurant. Some types of restaurants require special coverages and laws can vary by state. We can assist you with the local rules and regulations where your business operates.