Restaurant Owners Insurance
Having restaurant insurance in place and having the right insurance in place come claim time can prevent you from a costly mistake. Let our experienced commercial lines account managers understand your operations and recommend the appropriate coverages to protect your financial interests.
We offer standard market and non-standard market insurance programs for the below exposures;
- Fine Dining
- Casual Dining
- Fast Food
- Coffee House
- Pubs
- Catering
- Delivery
- Food Trucks
- Food Borne Illness
- Contamination Shutdown
- Equipment
- Tenant Improvements
- Loss of Income
- Workers Compensation
- Employee and Customer Discrimination Liability
- Liquor Liability
- Cyber Liability
- Employee Theft
- Health Insurance
- Life Insurance
General Liability insurance covers claims made against your business by someone who has experienced or claimed to have experienced, bodily injury or property damage. It can also provide coverage for injuries sustained from your product, claims for libel, slander or defamation, and claims filed by your employees or other 3rd-parties.
Coverage includes legal and defense costs.
Tenant Legal Liability Coverage provides coverage if you damage your rented or leased space.
For example: If your computer caught fire in the night and destroyed your leased space as well as your neighbors leased space, your general liability would pay for your neighbors’ damages and your tenants legal liability coverage would pay to repair your leased unit.
The landlord may or may not carry building coverage (This would be outlined in your lease) to repair the damages, however, is their insurance carrier pays for the repairs, they will likely be asking you to re-pay them for the damages you caused.
Employers & Customer Discrimination Coverage
First party Employers Practices Liability coverage protects you from discrimination, harassment or wrongful rental/eviction type claims brought on by your employees.
Third party Employers Practices Liability coverage protects you from claims brought by your customers, vendors, or suppliers.
Coverage can include legal costs which can add up quickly.
Loss of Income Coverage covers the loss of income due to damage to a company’s physical property. While property insurance covers physical damage, business income coverage pays for lost revenue during the restoration period. Coverage includes costs to relocate while repairs are being made.