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Insurance for Restaurants - Protecting Your Restaurant


Proper restaurant insurance is as important to the future of your business as a mouth-watering menu and good customer reviews. Running the day-to-day operations of a restaurant gives you plenty to worry about. You don’t need to add restaurant insurance coverage concerns to the list. That’s where we can help. We’ll take all the questions out of insurance for a restaurant business, so you can focus on what you do best.


Here are some common concerns most restaurants should think about, along with some ways we can partner with you and protect your business with a solid restaurant insurance policy.


Potential coverages available for restaurants are:

Business Property Coverage
Business Liability Coverage
Business Auto Coverage
Business Umbrella Coverage
Business Crime Coverage

Spoilage Coverage
Loss of Income (from, for example, if there is food contamination and restaurant      needs to close temporarily)
Advertising expenses coverage from food contamination incident to regain customers’      trust in my restaurant
Inoculation expense reimbursement from food contamination incident
Automatic extinguishing system, coverage for:
     – Recharge
     – Clean up from accidental discharge
     – Loss of income
Lost, damaged or stolen money or checks
Breakdown of equipment, including loss of income
Liquor liability
Valet parking
Loss due to interruption of power, communication or water supply that occurs away      from restaurant
Accusations of discrimination, unfair hiring practices, wrongful termination or      harassment
Loss or damage to an adjoining business if a fire starts in restaurant




(p) (828) 258-8030 ∙ (f) (828) 258-8030