Restaurant Insurance

Often referred to as business liability, general liability protects businesses from general claims that arise out of normal day to day operations. Coverage is considered 3rd party, meaning it protects against injuries and property damage to others. For example, if a customer falls and is injured in your establishment.

Business Property also referred to as Commercial Property Insurance and Business Personal Property Insurance, as the name implies, covers the physical location, equipment and contents of your restaurant such as your kitchen equipment and furniture.

Business Interruption is often included in a BOP or can be added. It helps pay your bills, expenses and employees in the event your business is forced to temporarily close due to a covered loss. For example, if a fire damages your kitchen and you are forced to close during repairs.

Your restaurant will need auto insurance if you own or lease vehicles or if your restaurant is a vehicle! Food trucks and ice cream trucks are vehicles too after all!

Workers Comp provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees, Workers Comp is required by law in just about every state, though the details may vary.

If you provide alcohol to the public then you will need liquor liability. This coverage helps protect your business if an intoxicated patron causes harm or damage after your restaurant served them alcohol.