Restaurant Insurance | Coverages

General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Additional Coverages

Liquor Liability
Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your restaurant.

Business Interruption

After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.

Equipment Breakdown

Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.

Spoilage

Covers perishable items in the event of a power outage or breakdown of refrigeration equipment.

Contamination

Coverage in the event of a food contamination incident. Covered costs include food replacement, expenses to clean equipment, medical and/or vaccination costs for employees, lost income associated with a shutdown of operations and advertising expenses incurred to restore your reputation.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Inland Marine

Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.