Restaurant Insurance for the Food & Beverage Industry

Restaurant insurance can help cover unexpected costs and help you stay open if things go wrong. Having insurance for restaurant owners is crucial. Whether it is slip-and-fall accidents involving customers, employee injuries, or property damage, being prepared for these risks can save you from significant financial burdens. Restaurant insurance can cover various scenarios, from replacing spoiled food due to a broken fridge to handling lawsuits from customers who get sick from contaminated food.

You face specific challenges related to being in the food business. The good news is that we can help you find the right restaurant coverage for you. So, whether you own a restaurant, bakery, coffee shop, or ice cream shop, we're here for you.

• You Can't Open Your Business

  A fire damages your restaurant, forcing you to halt operations until repairs are complete.

  • Business Income And Extra Expense Coverage: Provides financial support for lost income and ongoing fixed expenses, such as rent and payroll, during temporary closures. This coverage helps ensure you can maintain your financial obligations while repairs are underway, with protection lasting up to 12 months.
• Building or Property Damage

  Your restaurant's building or property is damaged or destroyed due to a covered event, such as fire or theft.

  • Business Building and Personal Property Coverage: Helps cover the cost of repairing or replacing an owned building and essential business property, including kitchen equipment, dining furniture, and other restaurant-specific assets, up to your selected limits.
• Computer Virus Attack

  You receive an email that contains a malicious virus, compromising your restaurant's computer system.

  • Electronic Data Coverage: Covers the cost of repairing and restoring lost or damaged data caused by harmful code or cyberattacks. Included in a standard business owner's policy, this coverage can be expanded to meet the needs of modern restaurant operations reliant on digital tools.

• Billing Records Are Destroyed

  There is a fire and your company's billing records are destroyed. This makes it difficult for you to collect payments from customers.

  • Accounts Receivable Protection: Helps pay for increased cost of collecting payments and the expense of reestablishing the records of accounts receivable.
• Injured Employees

  One of your employees sprains their ankle on the job and is unable to work.

  • Worker's Compensation Insurance: This essential coverage helps protect restaurant owners by covering medical expenses, rehabilitation costs, and a portion of an employee's lost wages when they experience a work-related injury or illness. It ensures your staff receives the support they need to recover while helping you meet legal and financial responsibilities as a business owner.
• Auto Accidents

  Your driver was making a delivery on a snowy day and collided with another car, causing minor injuries to the other driver and damage to your vehicle.

  • Commercial Auto Insurance: Protects businesses from financial loss due to accidents, collisions, or damage involving company-owned vehicles by covering repair costs, medical expenses, and liability claims arising from the use of these vehicles for work-related tasks.

• Employee Dishonesty

  Your business receives checks, credit card payments and sometimes cash for work that you do. When reviewing the monthly receipts, you notice that the deposits were lower than usual.

  • Employee Dishonesty Coverage: Helps pay for a loss if an employee steals money or property from your business. This may be an optional coverage.
• Oven Breaks Down in Your Shop

  The oven at your business breaks due to a power surge, now, you can't prepare food and you lose your entire inventory due to spoilage.

  • Equipment Breakdown Coverage: Helps pay for expenses caused by a sudden breakdown of machinery or other equipment.
• Power Outage

  A transformer blows and you lose power to your business.

  • Spoilage Coverage: Helps pay for perishable items that spoil due to a power outage.

• Stolen Cash

  Your business is broken into and money is stolen.

  • Money and Securities Coverage: Helps protect your business against loss of money or securities due to theft, disappearance or destruction. This optional coverage may provide reimbursement whether the loss occurred on or off your business premises.
• Contaminated Food

  A health department inspection finds food contamination and shuts your business down.

  • Food Contamination: Helps pay to clean equipment and replace contaminated food if your business is shut down by the health department. It may also reimburse you for lost business income and other expenses while your company is shut down.
• Workplace Harassment

  You receive a letter from an employee's lawyer informing you of a line cook's inappropriate behavior towards your hostess while on the clock.

  • Employment Practices Liability Coverage: Provides employers with protection in cases of workplace harassment or discrimination claims brought against them by employees. This coverage pays for legal expenses related to these claims, mitigating financial risks.