A Business Owner’s Policy (BOP) combines common business coverages (General Liability and Property Insurance) into one convenient policy. It’s a great fit for many restaurants, especially those just starting out and provides the flexibility to add additional coverages based on your needs.
From fast food to fine dining, if you serve food then you need restaurant insurance. Restaurants are exposed to a wide variety of risks and are vulnerable to lawsuits as a result. From slip and falls to kitchen fires, things happen and proper coverage will help ensure the continued success of your business.
Our team is experienced in crafting policies to fit all types of restaurants including:
- “Traditional” Restaurants
- Bars & Taverns
- Cafés & Coffee Shops
- Diners & Delis
- Fast Food
- Food Trucks
- And more
Key Coverages for Restaurants
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 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.
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.