Restaurant & Bar Insurance

Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Eligible classes include, but are not limited to:

• Fine Dining
• Casual Dining
• Fast Food
• Ethnic Cuisine
• Delicatessen
• Coffee Shop
• Micro Brewery
• Night Clubs
• Bar / Lounge
• Food Trucks 

Coverage Breakdown:

• General Liability
• Liquor Liability
• Property / Business Personal Property
• Equipment Breakdown
• Food Spoilage
• Glass / Signage Breakage
• Business Interruption
• Loss of Rent
• Workmen’s Compensation

Typical Restaurant Insurance Package

           General Liability:

• $1,000,000 Per Occurrence Limit
• $2,000,000 Aggregate Limit

       Liquor Liability:

• $1,000,000 Per Occurrence Limit
• $2,000,000 Aggregate Limit

      Property / Business Personal Property:

• Actual Cost Value ( ACV)
• Replacement Cost Value ( RCV) – Proffered