Restaurant Coverage
Hot surfaces, sharp knives, and food-borne illnesses... just to name a few risks associated with running a restaurant. Aside from physical risks, we understand the struggles of running a small business- managing people, creating efficient operations, balancing finances and administration, maintaining gold level service and, of course, continual growth. Consider purchasing a Business Owner's Policy. A Business Owner's Policy can help cut the cost of insurance while sufficiently protecting the restaurant business you've worked so hard to create.

Restaurant Coverage we always consider:
Property - Protection for your leased or owned building, employees’ personal property, off-premises property and more.

Liability - addressing costs associated with bodily injury, medical payments and property damage resulting from on-site mishaps and goods sold, and a lot more.

Auto - Protection for your vehicles, as well as judgements and other expenses when someone else is injured or their property is
damaged as a result of your firm’s operation of a vehicle.

Food spoilage - Covering loss of perishable stock caused by temperature or humidity changes brought by certain mechanical breakdown or failure, contamination by refrigerants and power outages beyond your control.

Food contamination, which pays for equipment cleaning, food replacement, certain medical expenses, loss of income, and advertising expenses related to a government-mandated, contamination-related shutdown.

Workers comp, covering your statutory liability to pay for workplace injury-related medical expenses and rehab costs, lost income or wages, death benefits and more.

Business income, which pays for salaries, rent and other expenses that continue even when the restaurant is closed as a result of a covered loss.

Equipment breakdown, covering physical damage to refrigerators, ovens, heaters, air conditioners, cash registers, audio systems and other equipment from covered losses due to mechanical breakdown, operator error, short circuits, power surges and more.

Liquor liability, which covers attorney fees, settlements, judgments, damages and other expenses resulting from a covered alcohol-related event.

Others protections, such as employment practices liability, cyber liability, excess or umbrella liability, fire extinguisher system expense, delivery errors and omissions, employee dishonesty, life insurance and more.
Coverages to Consider
General Liability
Helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business’s assets at risk.
Workers Compensation
Provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

Commercial Auto
Helps your business cover the financial costs of property damage or medical expenses, resulting from an auto accident if you or an employee is found at fault.
Commercial Property
Helps protect the building your business owns or leases as well as your business personal property, including tools and equipment, inventory, and furniture.

  Office Hours 
Monday                                        9:00 AM - 5:00 PM

      Tuesday                                       9:00 AM - 5:00 PM
      Wednesday                                 9:00 AM - 5:00 PM
      Thursday                                      9:00 AM - 5:00 PM
      Friday                                           9:00 AM - 5:00 PM
      Saturday                                     Available by appointment
      Sunday                                          Closed
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