Restaurant Insurance

You have unique risks, whether you own and operate a licensed family-style restaurant or fine dining establishment, an unlicensed cafe, pastry shop, or bakery. Restaurant insurance will ensure you have the right coverage to protect your business and investment.

What does restaurant insurance cover?

Commercial General Liability (CGL) Insurance protects you if you’re found responsible for any property damage or bodily injury. Suppose an employee or customer slips and falls in your restaurant. In that case, a CGL policy will generally cover any legal expenses, medical fees, and damage awards.

Commercial Property Insurance protects your restaurant location and contents from insured perils outside your control, like fire, natural disasters, and theft. It can also include business interruption coverage if your restaurant cannot operate because of an insured claim.

Equipment Breakdown Insurance is critical coverage to consider when purchasing restaurant insurance. The cost to repair or replace restaurant equipment that is broken or damaged from a mechanical or electrical issue can undoubtedly add up. You’ll want to make sure you have Equipment Breakdown Coverage if this happens.

Frequently Asked Questions