What Insurance Policies Do Restaurants Need?

Whether you own a coffee shop or a pizzeria or a cantina, you need some fundamental business insurance
to get started. Many of your exposures can be addressed by…

• General Liability Insurance, which pays for your defense when a third party (e.g., a patron) sues
• over bodily injuries and property damage. Some policies also cover advertising injuries, such as
• lawsuits over copyright infringements.
• Property Insurance, which pays to replace or repair damaged equipment, inventory, or restaurant space.
• Umbrella Insurance, which supplements coverage when certain underlying liability policies have reached their limits.
• Workers’ Compensation Insurance, which reimburses employees who are injured on the job.

Additionally, restaurant owners can often get their General Liability and Property Insurance bundled into a Business Owner’s Policy (BOP), which is more cost-effective than buying each policy individually.
While those policies may cover the basics, the where, when, what, and how of each food service operation impacts its insurance needs. For example, consider the unique exposures of a food truck, catering service, banquet hall, or nightclub. Clients in these professions might also need…

• Commercial Auto Insurance to protect their business-owned vehicles.
• Inland Marine Insurance to cover their equipment in transit.
• Liquor Liability Insurance to pay for legal expenses when an over-served patron wreaks havoc on the community and the client is held accountable.

These policies represent the coverages most restaurant and bar owners need to protect their business assets. Our agency will still need to thoroughly review your business to determine what other policies it needs. We welcome the chance to go over your insurance needs and provide the protection that brings you peace of mind.

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