Specialized insurance coverage for restaurants, bars, taverns, and food service establishments. Protect your business from liquor liability, foodborne illness claims, property damage, and more.
Restaurant and bar insurance is a specialized package of coverages designed to protect food service and drinking establishments from the unique risks they face. This includes everything from foodborne illness claims to liquor liability and equipment breakdown.
Did you know? 60% of restaurants fail within their first year, often due to inadequate insurance coverage when disaster strikes.
From fine dining to fast casual, we provide tailored coverage for your specific operation.
Comprehensive protection for the unique risks facing food service businesses.
Essential coverage if you serve alcohol. Protects against claims arising from serving intoxicated patrons.
Protection against foodborne illness claims and contaminated food incidents.
Coverage for mechanical and electrical breakdown of essential equipment.
Replaces lost income when you're forced to close due to a covered loss.
Real examples of claims that can devastate an uninsured or underinsured establishment.
Customer slips on wet floor in restaurant, suffers broken hip requiring surgery.
Claim: $185,000
Medical bills, lost wages, legal fees
Grease fire spreads to hood system, causing extensive damage and 6-week closure.
Claim: $425,000
Property damage, lost income, cleanup
Intoxicated patron causes fatal car accident after leaving bar. Bar found partially liable.
Claim: $2,800,000
Settlement, legal defense, investigations
Salmonella outbreak affects 32 diners. Multiple hospitalizations and health department investigation.
Claim: $560,000
Medical costs, settlements, reputation damage
Walk-in freezer fails overnight. Complete loss of food inventory and inability to serve customers.
Claim: $78,000
Food loss, equipment repair, lost revenue
Server suffers severe burns from hot grease spill. Multiple surgeries and months of recovery required.
Claim: $245,000
Workers' comp, medical, lost wages
Customize your policy with these optional coverages for complete protection.
Protection for credit card data breaches and cyber attacks on your POS system.
Coverage for theft of money, inventory, or property by employees.
Protection against wrongful termination, discrimination, and harassment claims.
Covers damage to your exterior signs from weather, vandalism, or accidents.
Enhanced coverage for fights and altercations on your premises.
Liability coverage for delivery drivers using personal vehicles.
We understand the food service industry and provide tailored coverage across 15 states.
Specialized knowledge of restaurant and bar risks with customized solutions.
Access to multiple specialized restaurant carriers for the best rates.
Fast response times and dedicated claims assistance when you need it most.
Get a comprehensive insurance quote today. Our hospitality insurance experts will design the right coverage package for your establishment.