RESTAURANT INSURANCE
- Company and franchise-owned restaurants
- Family, casual and fine dining restaurants
- Fast food and quick service restaurants
- Food management contractors
- Independently owned and chain restaurants
- Bars, cafes, diners and delis
Common Restaurant Insurance Options
While there are many ways to customize your business insurance options, the following forms of coverage are most popular with restaurant owners.
- Business Property Insurance. Business property insurance protects you if fire, hail or other events cause damage to your building or equipment. Property insurance covers your building as well as inside contents such as equipment, furniture and fixtures.
- Business Liability Insurance. Liability insurance covers accidents, injuries or mistakes that occur at the restaurant. This includes claims of illness due to tainted food and other situations common in the food industry.
- Business Crime Insurance. The sad truth is employee theft, forgery and robbery are issues you may encounter when you run your own restaurant. Crime insurance protects you against losses that occur within and outside of the restaurant.
- Workers Compensation. Accidents involving your employees may happen, no matter how safe your restaurant. Workers' compensation insurance protects you against illness and accidents.
Optional Coverage
Depending on your restaurant business, you may also need more specialized insurance coverage as well, such as:
- Food truck insurance
- Business auto insurance
- Liquor liability insurance
- Equipment breakdown insurance protects your equipment against operator error, burnout, mechanical breakdown and power surges
- Business income coverage protects you against losses that occur when you must shut down your business due to a covered loss
- Utility services coverage and spoilage coverage will cover losses from ruined inventory if utility services are interrupted
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RESTAURANT INSURANCE
- Company and franchise-owned restaurants
- Family, casual and fine dining restaurants
- Fast food and quick service restaurants
- Food management contractors
- Independently owned and chain restaurants
- Bars, cafes, diners and delis
Common Restaurant Insurance Options
While there are many ways to customize your business insurance options, the following forms of coverage are most popular with restaurant owners.
- Business Property Insurance. Business property insurance protects you if fire, hail or other events cause damage to your building or equipment. Property insurance covers your building as well as inside contents such as equipment, furniture and fixtures.
- Business Liability Insurance. Liability insurance covers accidents, injuries or mistakes that occur at the restaurant. This includes claims of illness due to tainted food and other situations common in the food industry.
- Business Crime Insurance. The sad truth is employee theft, forgery and robbery are issues you may encounter when you run your own restaurant. Crime insurance protects you against losses that occur within and outside of the restaurant.
- Workers Compensation. Accidents involving your employees may happen, no matter how safe your restaurant. Workers' compensation insurance protects you against illness and accidents.
Optional Coverage
Depending on your restaurant business, you may also need more specialized insurance coverage as well, such as:
- Food truck insurance
- Business auto insurance
- Liquor liability insurance
- Equipment breakdown insurance protects your equipment against operator error, burnout, mechanical breakdown and power surges
- Business income coverage protects you against losses that occur when you must shut down your business due to a covered loss
- Utility services coverage and spoilage coverage will cover losses from ruined inventory if utility services are interrupted
