Insurance for

Food spoilage coverage

This type of insurance for restaurant coverage can protect you if you restaurant loses food due to a power outage. Food spoilage coverage not only covers your restaurant from financial loss, but also helps with rebuilding your restaurant’s reputation.

Equipment breakdown coverage

To be protected against damaged caused by motor burnout, mechanical breakdown, or power surges, consider equipment breakdown coverage. That way if your oven, refrigerator, or even your credit card machine breaks down, you’re covered.

Valet parking coverage

If you restaurant provides valet parking, then it is good idea to get valet parking coverage as part of your restaurant insurance, which will protect you if a valet worker damages or wrecks a customer’s car.

Property/Business income coverage

With cooking flames, fryers and candles for atmosphere, fire is a real threat in a restaurant. Consider property, business or general liability insurance for restaurant coverage to protect from a damaging fire.

Liquor liability insurance

Liquor liability insurance coverage can help protect you if a customer drinks too much alcohol and hurts himself or others.

Medical payments coverage

Should a customer get burned by your food, medical payments coverage can help to cover the medical bills.

General liability coverage

If a customer makes a special food preparation or ingredients request, such as “no peanuts”, and you fail to comply, general liability coverage can protect you.

Utilities services coverage

Utilities services coverage along with business income coverage can cover damages or income loss to your restaurant due to disruption of services (i.e. power goes out) such as gas, electric and water.
Other types of coverage for restaurants include food contamination coverage, employment related practices, business interruption coverage, customers’ information and credit card risk coverage, and recharge and clean-up expenses coverage.