Restaurant Insurance

Food Service businesses are as diverse a chef's recipebook.  You know there are many ingredients needed to run a successful business. After all, restaurant ownership is challenging enough, without having to worry about food spoilage, fire damage, and employee or customer injuries.

The right insurance package helps protect you from the risks you face as the owner, so you can put your focus where it belongs: your food, your customers, and providing a great experience!

Adequate insurance in the food service business can help reduce exposing your restaurant to unneeded risk and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, workers compensation, vehicle insurance, and business interruption insurance.

We offer insurance to cover all food service businesses, including:

We offer insurance to cover all food service businesses, including:

  • Bars & Taverns
  • Cafés
  • Cafeteria-style eating places
  • Catering Facilities
  • Coffee Shops
  • Deli's
  • Diners
  • Family Style Restaurants
  • Fast Food 
  • Fine Dining
  • Pizzerias
  • Sandwich Shops

Some restaurants require specialized coverages, and we can help you navigate the issues facing the type of business you own or wish to create.

What’s covered in a restaurant insurance package?

There are typically three important areas when making a solid restaurant insurance plan. These coverages include:

  • Building, Personal Property, and Stock
  • Premises Liability
  • Loss of Income following a claim
  • Workers' Compensation Insurance 
  • Crime insurance for theft of money by thieves or even your employees
  • Auto coverage for business owned vehicles, valet, or delivery


Optional Coverages can include:

  • Food Spoilage
  • Food Contamination 
  • Breakdown coverage for equipment like coolers or refrigerators
  • Sewer Backup
  • Cyber Liability
  • Liability for employment issues like discrimation & harrassment
  • Liquor Liability 


Worried about the cost?



We specialize in covering restaurants just like yours.

 We have everything you need right here, including:

  • Flexible payment options 
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Events coverage 

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.