Cooking can be a hobby, a passion — or for those reading this, 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 insurance agents will search high and low to find the right coverage to keep your business up and running.
In short, restaurant insurance is a combo platter of coverage that protects your customers, employees, property, and inventory. Every restaurant will have a unique assortment of risks, and your insurance can be tailored to protect your own business 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 a look at 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 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.
Though, 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. They'll hook you up — in a comprehensive and affordable way.
Independent insurance agents excel at matching the most appropriate policy to the business in need. Shopping around for insurance policies can be tricky, confusing, and time-consuming, and an independent insurance agent's role is to simplify the process.
They’re also there to help make sure you get the absolute best deal, and the one that meets your unique needs. They shop and compare insurance quotes for you, and they'll break down all the jargon so that you understand exactly what you're getting.