Restaurant Insurance

From licensed family-style restaurants and fine dining establishments to unlicensed cafes, pastry shops, and bakeries, restaurant businesses are a unique and dynamic industry.  Speak with a Trigon broker to analyze your unique risks and ensure you have the right coverage in place.

Frequently Asked Questions

Do I need Business Interruption Coverage?

Business Interruption Coverage may be a good option for your restaurant if you were unable to operate due to an insured claim like a fire. This coverage provides financial compensation for lost income (like overhead costs and staff wages) during the time it takes to restore your operations.

Do I need Equipment Breakdown Coverage?

Most definitely. The cost to repair or replace restaurant equipment that is broken or damaged from a mechanical or electrical issue can certainly add up, so you’ll want to make sure you have Equipment Breakdown coverage in case this happens.

Is my restaurant covered for liquor liability?

Typically, this is an additional coverage that you can have added to your restaurant insurance policy. If your restaurant is licensed to serve alcohol and there’s an incident where alcohol is deemed to have been a contributing factor, you’ll want to have liquor liability coverage to protect you if you’re held liable for any damages or injuries.


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