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Restaurant Insurance

In a restaurant, there are several scenarios that could result in an insurance claim. For instance, your kitchen presents potential risks and accidents, working with sharp knives and hot temperatures, that could affect your business, income, and ability to pay your employees. Having a proper insurance policy in place will help protect you, your staff and business.

We will take the time to learn about your business, the type(s) of potential risks to watch out for, and review the following coverage options:

  • Property: Coverage for your leased or owned building, property and equipment, stock and business interruption coverage.
  • Liability: Bodily injury, property damage or medical payments from on-site accidents or other injuries or damages that occur while running your business.
  • Food spoilage: Coverage for the loss of perishable stock caused by temperature changes brought by certain mechanical breakdown or failure, contamination by refrigerants, and power outages beyond your control.
  • Food contamination: Pays for equipment cleaning, food replacement, certain medical expenses, loss of income, and advertising expenses related to a government-mandated, contamination-related shutdown.
  • Equipment breakdown: Physical damage to refrigerators, ovens, heaters, air conditioners, cash registers, audio systems and other equipment from covered losses due to mechanical breakdown, operator error, short circuits, power surges and more.
  • Liquor liability: Coverage for attorney fees, settlements, judgments, damages and other expenses resulting from a covered alcohol-related event.

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