Restaurant Insurance

We specialize in helping restaurants with their insurance and risk management. Being in the hospitality business is different than many other businesses – and we understand those differences. Our specialists are able to tailor insurance and risk management solutions for our clients to meet their specific needs.

We are independent agents and represent a number of different insurance companies. Therefore, we are able to provide the best possible cost and coverage combination for your restaurant's insurance needs. Our experienced staff understands the challenges of running a restaurant and the coverage's needed to protect your business.

Customized Coverages - With our knowledge and experience in insuring restaurants, we know what coverages are critical and what coverages are merely desirable. Our objective is to provide each restaurateur with a customized insurance program at the lowest possible price.

Loss Control – We work with our clients on how to proactively avoid claims from occurring. Loss prevention is the most effective claims management tool of all.

Response – Our promise to you is to respond quickly to your needs. 

Clients First – We are more than just insurance agents; we are advisors to our clients.  As such, we search for the most cost-effective ways to cover the insurance and risk management needs of our clients. 

Broad Coverage Options

We have a number of programs, including packages which include business liability protection, property coverage, and crime.  Whether you have a single or multiple locations, or if your restaurant is elegant, trendy, traditional, ethnic, or home-style, we can tailor a solution for you. We insure all types of eateries including:

  • Bars/Taverns
  • Buffets
  • Cafés
  • Cafeterias
  • Carry-out
  • Coffee shops
  • Delis
  • Diners
  • Drive-ins
  • Fast food
  • Family-style
  • Fine dining
  • Luncheonettes
  • Sandwich shops
  • And more!

Some of the coverage options available to you to help you with your insurance needs include:


  • Buildings at replacement costs or actual cash values
  • Automatic increase in building amount
  • Contents at replacement costs or actual cash values
  • Contents increase for seasonal fluctuation
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal and pollutant cleanup cost
  • Loss of income and extra expense on an actual loss sustained basis for 12 months or other extended period
  • Computer equipment including media and records
  • Earthquake or earthquake sprinkler leakage
  • Transportation/transit coverage
  • Loss of income and extra expense from power interruption
  • Loss in value of undamaged building portion, demolition, or increased construction cost to meet ordinance or law requirement
  • Spoilage coverage
  • Back up of sewers or drains
  • Accounts receivables and valuable papers coverage


  • Employee dishonesty
  • Forgery and alteration
  • Money orders and counterfeit currency
  • General and other liability
  • Money and securities - inside and outside of the premises

Operations and Premise liability

  • Workers' compensation
  • Automobile, hired and non-owned automobile liability
  • Liquor liability
  • Employee benefits
  • Advertising injury liability

Contact us today to find out more about how we can custom design a program for your restaurant.

Associated Agents

Associated Agents