Your restaurant is your greatest pride, but if you’re not careful it can become your greatest risk. With restaurant insurance, you can make sure you’re properly protected from lawsuits, loss of income, and property damage. We’ll make sure you’re covered for whatever life cooks up so you can focus on your business.

General Liability
Protects against legal/medical expenses incurred from third-party claims. Coverage pays for medical due to falls or food poisoning.

Liquor Liability
Protects against legal expenses brought on by intoxicated patron who leave
your premises and bring on a lawsuit from over consumption at your business.

Business Personal Property
Protects your investment of tangible items on your business property against fire, earthquakes, vandalism, theft, storms and accidents. Includes outdoor signage, fencing, furniture or inventory. Also protects you against loss such as food spoilage. For example, let’s say you lose electricity to your restaurant and your refrigerated products spoil overnight.

Building Coverage
Protects your property in event of loss by covered peril. If attached, it includes your restaurant equipment.

Business Interruption
Also known as loss of income insurance helps keep you in business when unexpected events occur. If the unthinkable does happen and your entire business is destroyed, you will still need to pay the bills, including paying employee wages, rent or mortgage, suppliers, taxes. And you’ll probably need to supply yourself some income, too. Business interruption insurance can help keep your business afloat as well as pay for a temporary site, if the need arises.

Property and Equipment Insurance
Additional coverage for the special equipment in case of power surges, mechanical breakdowns, burned out motors, or if your employee accidentally does something that causes the equipment to fail.

Commercial Auto
Auto Insurance that covers any business vehicles used for business purposes

Hired and Non owned
Provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work. This protection applies to vehicles you “hire” (like a rental car) or vehicles your business doesn’t own (like employees’ personal vehicles).

Workers Compensation
Compensates employees who are hurt on the job. Pays medical/loss of income/death

Commercial Umbrella
Adds additional coverages to all insurance lines covered, raises limits of protection

EPLI
Protects the business against lawsuits brought on by employees for claims against unfair treatment and discrimination

Cyber Liability
Protects against cost incurred due to data breach

Employee Dishonesty
Protects businesses against property thefts committed by employees.