Restaurants Insurance Solutions
Affordable Coverage Available in 48 States
Restaurant Classes

Restaurants Classes

Owners of restaurants, catering companies and other food industry companies require a specific set of protections for risks encountered in their day-to-day operations. Not only do they have to safeguard their cooking equipment and worry about the well-being of their customers, but they also must protect themselves and their patrons from hackers seeking to steal valuable transaction data from their point-of-sale systems. Some of the businesses eligible for coverage include:

  • Bagel shops.
  • Bakeries.
  • Caterers.
  • Coffee shops.
  • Concessionaires, including stands and carts.
  • Delis.
  • Fast food restaurants.
  • Fine dining restaurants.
  • Food trucks.
  • Full-service restaurants.
  • Ice cream shops.
  • Juice bars.
  • Pizza shops.
  • Sports bars.

See more Commercial Insurance Solutions.

Lines of Business

Lines of Business

  • Business Owner’s Policy
  • Property Insurance
  • General Liability
  • Excess Liability
  • Liquor Liability (Note: Not available in OR or AL)

See more Commercial Insurance Solutions.

Coverage Highlights
  • General liability limits of $1M / $2M
  • Property limits up to:
    • $1.5m in protection class 1-8
    • $250k in protection class 9-10
    • $1m per location in coastal zones (wind exclusion applies on building coverage)
  • Liquor Liability limits up to $1M / $2M
  • Excess limits available for General Liability, up to $5m
  • Defense costs outside the limit of liability
  • Hired / Non-owned Auto Insurance available for businesses without delivery service
  • Damage to premises the owner rents
  • Equipment breakdown, including a sublimit for food spoilage
  • Crime coverage available
  • Assault and battery coverage available
  • Expanded definition of bodily injury

See more Commercial Insurance Solutions.

Eligible Risk Attributes

Eligible Risk Attributes

  • New ventures with prior management experience
  • Up to 100% alcohol sales
  • Dancing
  • Entertainment

Ineligible Risk Attributes

  • Businesses located in AK and HI, limited appetite in LA, and WV
  • Buildings not updated in the last 20 years
  • Frame buildings without sprinklers or UL300 sprinkler system
  • Nightclubs
  • Bottle service and setups
  • Adult entertainment
  • Low-priced drink specials that continue late into the night
  • Open after 2 am
  • Establishments that allow patrons to bring their own alcohol
  • Frequent claims from fights or slip-and-falls

See more Commercial Insurance Solutions.

Register Now
Already Registered? Login to quote
Register Now
Already Registered? Login to quote