Restaurant Insurance
- Empowered
Serve Success with Confidence
The restaurant industry faces unique risks that require specialized insurance protection. From food-borne illness claims to equipment breakdowns during peak hours, restaurant insurance provides comprehensive coverage tailored to food service operations.
Essential Safeguards
Risk Management
Tailored Protection
Business Continuity
- Core Protection
Essential Restaurant Coverages:
- General liability including food-borne illness protection
- Property insurance for equipment and fixtures
- Business interruption coverage
- Liquor liability (if applicable)
- Employment practices liability
- Cyber liability for payment processing
- Equipment breakdown insurance
- Critical Exposures
Industry-Specific Risks:
- Food poisoning and contamination claims
- Customer slip and fall accidents
- Employee injuries in fast-paced kitchens
- Equipment failures during busy periods
- Liquor-related incidents and liability
- Health department violations and closures
California Restaurant Considerations:
California's strict food safety regulations, high minimum wages, and active litigation environment create unique exposures for restaurant owners. Our specialized programs address these California-specific risks while providing competitive coverage.
