Cooking can be a hobby, a passion - or for those reading this page, a business. It’s one thing to cook in your own kitchen for a few friends. But when you’re a restaurant owner taking on a dinner rush, the chaos can cause frantic decision-making. That’s when things can get dicey.
It doesn’t matter whether you run a tiny juice bar or a burger chain, you need a policy that will cover every risk on the menu. Our independent agents will search high and low to find the right coverage to keep your business up and running.
In short, restaurant insurance is a pu-pu platter of coverage that protects your customers, employees, property and inventory. Every restaurant will have a unique assortment of risks, so your insurance can be catered to cover them accordingly.
Restaurant disasters may not be on the menu, but bad things are bound to happen. Especially when your kitchen is facing a rush of orders. Here’s an appetizer-sampler of just some of the things that can go wrong:
Restaurant insurance is always a blend of different types of coverage. Here’s a list of flavors you’ll likely be sampling:
If you’re just starting out, a premade restaurant insurance plan might be the ideal choice for coverage. These policies can be convenient, cost-effective and should offer the protection you need for the time being.
Once you’re more established, you’re better off customizing your insurance, especially if you have expensive furnishings, appliances or a fleet of catering vehicles. Premade plans might not have the proper protection to fully cover all your goodies.
To find your insurance sweet spot and make the search process easier, you’ll need to know your business classification. Find that sweet info here >>>
It depends on your restaurant’s sales and niche. In short, the more money you make, the more insurance will cost. Extra policies like liquor liability and garagekeepers insurance (if you have a valet service) will also add cost.
Cost on average:
Our agents will review your needs and help you evaluate the restaurant Insurance coverage that makes the most sense. They’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place. So you’ll have that going for you.
Whether you run a hot dog stand or a high-end steakhouse, our independent agents will help you find the coverage that pairs well with your unique needs. Not only that, they’ll cut the jargon and explain the nitty gritty bits so you know exactly what you’re getting.
Most importantly, they’ve got your back. Many claim processes have strict deadlines. Our agents will be there to help you meet them. So you can take full advantage of your insurance benefits.