Small Business Insurance for your Restaurant 

Bringing People Together is Your Specialty

People bonding over food is why you made it your business. Don’t let someone slipping on a wet floor or a backed-up kitchen drain be the reason you have to close your doors. Whatever your culinary specialty is, we want you to keep your doors open. Be prepared. Get protected. That’s where we can help.

Some of the types of Restaurants or Bars we insure include:

  • Bistro
  • Diner
  • Donut Shop
  • Family Style
  • Fast Food
  • Fine Dining
  • Ice Cream/Yogurt Shop
  • Pizza
  • Cafe
  • Delicatessen

Coverages

Your business is everything to you. Protecting it is everything to us. 

In addition to the key coverages such as property and liability, we also offer coverages tailored for your restaurant type, including:

  • Cyber Suite
  • Customer's Outerwear
  • Business Income and Extra Expense 
  • Employee Dishonesty
  • Employment Practices Liability Insurance
  • Equipment Breakdown
  • Liquor Liability
  • Loss or Damage to Customers’ Autos
  • Money & Securities
  • Ordinance or Law
  • Outdoor Property
  • Outdoor Signs
  • Spoilage and Contamination
  • Utility Services
  • Water Back-up

Additional Coverages

Our coverage has evolved to help protect you from today’s concerns. Our additional coverage also includes:

  • Business Auto
  • Workers' Compensation

Eligibility Considerations

Eligible

Ineligible

  • Five locations or fewer
  • Bars
  • Property values per location of $5M or less
  • Casinos
  • Up to 50 employees 
  • Nightclubs
  • Gross sales per location of $6M or less 
  • Operations open past 12 am
  • 7,500 square feet or less 
  • Buildings less than 60 years in age OR with acceptable updates
 
  • Three years or more in restaurant business (previous chef or restaurant owner)
 
  • Two or fewer claims in the last three years 
 
  • Year-round operations 
 
  • Liquor Sales 35% or less of total sales (fine dining 50% or less)
 
  • Incidental off site catering
 
  • Compliance with NFPA 96 standard 
 
  • No dance floor, children's play area/equipment or live entertainment (other than a piano or single performer)
 
  • No tableside cooking or solid fuel cooking methods
 
  • No occupancy in buildings originally constructed for habitational purposes 
 

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