Insurance Programs for Restaurant Owners

There is a big difference between having insurance in place and having the right insurance in place come claim time.  Let our experienced commercial lines account managers understand your operations and recommend the appropriate coverages. 

We offer standard market and non-standard market programs for the below exposures;

  • Casual and Fine Dinning
  • Family Restaurants
  • Fast Food
  • Food Trucks
  • Coffee Shops and No Cooking Deli's
  • Bars and Taverns to 100% Liquor Receipts
Coverages Available
  • Liquor Liability on Package Policies or Mono-line
  • Contamination Shut Down
  • Food Born Illness Coverage
  • Commercial Auto and Delivery Coverage
  • Dependent Property Loss Coverage
  • Employee Benefits Package Plan
  • Stop Gap
  • Stop Gap
  • Employee Theft
  • Brands and Labels
  • Cyber Insurance
  • Customer Property
  • Spoilage
  • Hired and Non owned auto
  • Vandalism
  • Equipment Breakdown
  • Seasonal Increase on Food and Property
  • EPLI (Employers Practices Liability) i.e sexual harassment, wrongful termination, discrimination etc. covering employee and customer claims
  • Workers compensation (OR, ID, CA, TX and AZ only)
  • Building Coverage and Tenant Improvements and Betterments
Coverage Explanations

Equipment Breakdown 

Automatically included with Premier only. Pays for direct damage to insured’s machinery and equipment (including up to $25,000 on computers and related equipment) and loss of business income resulting from mechanical breakdown,electrical current or arcing or explosion of steam boilers.


Pays for spoilage of perishable goods (usually food) caused by change in temperature or humidity due to mechanical breakdown, refrigeration contamination, or power failure.

Liquor Liability

Covers the amount the insured is legally obligated to pay as damages for injury due to the selling, serving or furnishing of any alcoholic beverage (subject to policy exclusions). Mandatory if restaurant sells liquor. Available up to $1,000,000.

Contamination Shutdown

Pays for loss of business income due to a shut down ordered by a Board of Health or other government authority as well as related restoration and medical expenses incurred due to actual or suspected contamination.

Food Borne Illness /Business Interruption

Pays for loss of business income and extra expense after the announcement by a public health authority or the media of an actual or alleged discovery of food borne illness at as scheduled location or another location with the same trade name.

Employment Practices Liability Insurance (EPLI)

Protects employers for the liability arising from workplace actions such as discrimination (age, sex, race, disability, etc),wrongful termination and sexual harassment. Optional third party liability coverage available. offers free“HR in a box” tools and access to toll free hotline assistance for EPLI customers.

Cyber Liability and Data Breach

Protects businesses from data loss or theft of employee or customer data.With credit card processing and the digital-world we live in this coverage is more important than ever. Expense coverage addresses: Privacy Breach Response Services,Cyber Extortion, First Party Data Protection, First Party Network Business Income.Information Security and Privacy Liability, Regulatory Defense and Penalties.

Website Media Content Liability, PCI Fines, Expenses and Costs


Contact Us

Madison Avenue Insurance Group is licensed to write insurance in WA, OR, CA, AZ, TX & ID

“Stacey and her team are knowledgeable and on task. If you are looking for insurance in the Woodinville area, give them a call.”
Renee C.