Business insurance
Restaurant & Hospitality Insurance
Coverage for restaurants, bars, cafés and caterers, including liquor liability, spoilage and equipment breakdown.
Why it's different
Coverage built for how restaurants & hospitality actually work
Restaurants face kitchen fires, slip-and-falls, spoiled inventory and, if you serve alcohol, liquor liability, all with thin margins. We build a package that keeps you open after a loss, at a premium that respects your food and labor costs.
- Liquor liabilityServing alcohol creates exposure that general liability usually excludes. It needs its own coverage.
- Power outages and spoilageA storm that knocks out power can ruin your inventory. Spoilage and equipment breakdown coverage pay for it.
- Delivery driversEmployees delivering in their own cars create hired and non-owned auto exposure.
- Employee claimsHigh turnover means more employment practices claims. EPLI covers defense and settlements.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Business owner's policy
Property and liability in one package
Liquor liability
For bars and restaurants that serve alcohol
Spoilage & equipment breakdown
Coolers, walk-ins and kitchen equipment
Workers' compensation
For kitchen and front-of-house staff
Hired & non-owned auto
For delivery and errands
Employment practices
Harassment, discrimination and wrongful termination claims
FAQ
Restaurants & Hospitality insurance questions
Does a business owner's policy cover liquor liability?
Usually not. If you sell or serve alcohol, you typically need a separate liquor liability policy.
Will my policy cover food that spoils during a hurricane power outage?
Only if you have spoilage coverage, and terms vary on off-premises power failures. We'll show you how each option works.
Free, no-obligation review
Get a Restaurants & Hospitality insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.