Restaurant Insurance

As a restaurateur, you know there are many ingredients needed to run a successful business. 

Restaurant insurance helps protect you from the risks you face as a restaurant owner so you can put your focus where it belongs: your food, your customers, and providing a great experience.

Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk, and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, worker's comp, vehicle insurance and business interruption insurance.

What’s covered in a restaurant insurance policy?

There are typically three important areas to making a solid restaurant insurance plan. These coverages include:

  • Business Owners Policy (BOP) which protects restaurants with general liability, property insurance, loss of income coverage and more enhancements can be added to broaden your coverage. It may also provide protection against lawsuits and other financial liabilities that result from customers slipping on a wet floor, or building damage from fire, or lawsuits and other business related risks.
  • Workers' Compensation Insurance can help cover medical costs and a portion of lost wages for employees who become sick or become injured while on the job.
  • Business Crime insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery.
  • Restaurant Vehicles may also need to be covered in some cases, particularly if food is delivered utilizing a company owned vehicle.  If your employees drive their own vehicles for delivery, they must get their own business auto insurance

Who Needs Restaurant Insurance?

We offer insurance to cover all food service businesses including:

  • Bar Insurance
  • Café Insurance
  • Cafeteria Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Food Delivery Insurance
  • Fast Food Insurance
  • Pizza Restaurant Insurance
  • Lounge Insurance

Some restaurants require specialized coverages, and we can help you navigate the issue facing the type of business you own, or wish to create.

Contact Consultative Insurance Group today to get a quote or complete our online 'Request A Quote' form and we will contact you! 

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