Restaurant Insurance

Restaurant, Nightclubs, Taverns, Promoters, Special Events & Entertainer Programs Insurance

As a restaurateur, you know there are many ingredients needed to run a successful business. After all, restaurant ownership is challenging enough, without having to worry about food spoilage, fire damage, and employee or customer injuries, onsite.

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, workers compensation, vehicle insurance, and business interruption 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 issues facing the type of business you own or wish to create.

What’s covered in a restaurant insurance policy?

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

Business Owners Policy (BOP)
Workers' Compensation Insurance
Business Crime insurance

A specialty market, with a full range of services from underwriting and legal review to loss control and claims management, provided by insurance and legal professionals. Carrier is A.M Best rated “A” or Better.

Nightclubs | Taverns

Pub/Taverns
Sports Bars
Restaurants / Lounge
Nightclubs with Dancing
Live Music Venues
Exotic Clubs

Nightclubs | Taverns

Musical Concerts
Block Parties
Multiple Day Festivals
Conferences
Non-Profit Events
Corporate Gatherings

Entertainers

All musical genres considered, including heavy metal, rap and hip/hop.
Local or national acts.
Single show or annual coverage option.

Coverage Available:

General Liability
Assault & Battery up to $1,000,000
Hired & Non-Owned Auto
Liquor Liability
Excess Liability

Higher Limits are Available

Special Events

We have the resources to provide fast quote turnaround for your Special Events. Eligible classes can be covered for General Liability, Liquor Liability or both!

Product Features

General Liability Coverage and/or Commercial Liquor Liability coverage available for events with up to 10,000 attendees per day on most risks

Liquor Liability (* Separate limits for General Liability and Host Liquor Liability)
Automatic coverage for volunteers, temporary or leased workers, and committee members
Food and beverage Product Liability included in the General Aggregate
Medical Payments coverage
Coverage for damage to rented premises
Property owner can be included as Additional Insured at no charge

Great Coverage For:

Beer Gardens/Beer Tents
Concerts/Musical Performances
Festivals, Parties
Sporting Events
Motor Vehicle Events
Car Shows
Conventions/Trade Shows/Exhibits
Parades
Picnics
Weddings/Receptions
Fund Raisers, and many other miscellaneous events

Limits of Liability:

Limits of $1,000,000/$2,000,000 available
Higher Limits are Available

Worried about the cost?

We specialize in covering restaurants just like yours.

We have everything you need right here, including:

Monthly payment options
Temporary staff coverage
Claims responsiveness
Tailored coverage
Knowledgeable agents
Events coverage

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.