Insurance By Trade

Restaurant Insurance

Restaurant Insurance

Having a productive and profitable restaurant is demanding. Sharp knives, frying oil, burning grills, boiling pots and long hours: what could go wrong? On the one hand you are legally liable for your employees. But that’s not all. On the other you are vulnerable to claims from employees. As a restaurant owner you are in a legally vulnerable position.

This isn’t small potatoes. Claims that are well-substantiated and warranted can cost thousands of dollars.

Recommended POLICIES

  • Commercial General Liability Insurance
  • Commercial Property Coverage
  • Loss of Income Coverage
  • Equipment Breakdown Coverage

We will find the best coverage at the best price for your specific business and needs.


Is Your Restaurant Properly Prepared?

Is your restaurant one dish away from disaster? It doesn’t have to be. With a history of providing comprehensive coverage for small restaurant owners, we have the experience and know how to customize your policy to cover all your insurance needs. We offer total restaurant insurance solutions, so that you can run your business without fear of lawsuits.

Why have an Insurance In The Restaurant & Food Services Industry

5 Best Reasons To Get Restaurant Insurance

Protect Your Reputation

Insurance protects against employees misrepresenting your company.

Plan For The Future

Insurance protects against unforeseen risks.

Lawsuit Protection

Vital protection in a litigious society.

Prevent Financial Ruin

Insurance helps your business survive a disaster.

Get Peace of Mind

Insurance that protects the little guy.

Just Desserts

And, as your small business expands, it is wise to increase your insurance coverage as well.  Our services do not end when you purchase your insurance coverage. Just like you, we know the value of building long term relationships with our clients.

Lawsuit Lessons

You run a good business. It hasn’t happened to you in all the years you’ve been running your restaurant, why should it happen now? But sometimes, that’s just the way the cookie crumbles.

  • Never assume your patrons will use common sense.
  • Always provide clear labeling for how your food or beverages are prepared.
  • Train employees on your menu items, preparations, and warnings.
  • Put restaurant insurance in place.

The 5 Most Common Lawsuits

  1. Dram shop laws
  2. Violation of wage and hour laws
  3. Health Code violations
  4. Claims relating to food-bourne illnesses
  5. Slip-and-Falls just one of these lawsuits can cost you in upwards of $100,000

Do you need Business Insurance?
Call Us: (888) 910-0520

“It will never happen to me!”

What if…

The Hot Coffee Lawsuit: Stella Liebeck was awarded $2.86 million after she suffered third-degree burns at McDonalds. Blanca Ramirez was awarded $15.4 million to from Jack in the Box in a lawsuit involving age and disability discrimination claims. Are you ready to protect your bread and butter with small restaurant insurance?

What Restaurant Insurance Do You Need?

Business Owners Policy

Includes two or more types of coverages packaged together in one policy. BOP is designed for the small to medium sized business with limited exposures like offices and small retail outlets.

General Liability Insurance

Necessary for all commercial businesses as it provides third-party bodily injury and property damage coverage.

Liquor Liability

Protects against incidents like if one of your servers provides alcohol to an intoxicated customer who then drives and causes an accident.

Loss of Income Coverage

This insurance coverage reimburses business owners for the loss of income due to damage by a covered loss (like fire or storm).

Benefits of get insured by
Small Business

Small Business have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.

If you have any questions, we are staffed with experts in the insurance field willing to help.

With our expertice we can guide you to the right coverage for your business.

We know your time is really thight, but you can set up a call at any time, we are 24/7.