Restaurant and bar businesses have risks. From a customer slipping on a wet floor, to an illness caused by food, to damage from fire or water, problems can occur regardless of how well prepared you are.
Whether you run a fast food, fine dining, or casual restaurant, your financial security is a top priority. As independent brokers, we represent multiple carriers that create a business insurance program to fit the needs and requirements of restaurants and bars.
Our menu of offerings includes:
This insurance covers loss from an accident, a fire, water, or another disaster or destructive event that damages your property, and might force you to close your doors. It protects your property inside and outside including your building, restaurant equipment, fixtures, and furniture.
Restaurants, nightclubs, and bars, or any business that sells or serves alcoholic beverages, can be held liable for damages or injuries caused by intoxicated patrons. This can include damages that result from fights, careless behavior or even automobile accidents. While it may seem that the blame should be placed fully on the individual who perpetrated these acts, the establishments that allowed them to become intoxicated are also held largely liable and can be sued for large sums of money, particularly if the resultant injuries are severe or fatal.
It’s imperative that you protect your business from large financial losses with a liquor liability insurance policy. These policies are sometimes included with general liability coverage in some business insurance policies, but usually they need to be purchased separately as stand-alone coverage or as a business policy endorsement.
Workers Compensation provides coverage for injuries sustained by employees.
Restaurant and bar owners, unfortunately can be faced with employee theft and fraud. Business crime insurance covers you against employee theft and any crime or theft to the business itself.