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Restaurant Insurance

Rest easy knowing you have the proper coverage.

Workers’ compensation insurance for your business needs.

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

Insurance that works as hard for your business as you do.

As a restaurant owner, you know the amount of work it takes to run your business on a day-to-day basis. You might also know the statistics about how tough it is to survive and thrive in the business. But did you know that getting adequate insurance at least gives you a fighting chance by mitigating some of the risks involved in the food industry?

What every restaurant owner should know about restaurant insurance.

On top of traditional business insurance, it’s well worth considering a custom-built restaurant insurance policy, as this will not only make life simpler but may even cover some risks you hadn’t considered. There are unique aspects of running a restaurant that make it different than other types of businesses, which means different coverage is required.

What we cover

We know that restaurants come in a variety of types, and that’s why we offer coverage for a variety of different businesses. Here are the restaurant types that we help cover:

We know that each type of restaurant comes with its own unique risks which is why we work to find you comprehensive coverage to meet your needs in the food industry.

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

Help protect the property your restaurant is on.

One of the most important parts of most restaurants is the property it is located on. For that reason, most restaurants will usually cover risks to property, such as the building and equipment, along with liability to customers and staff.

The complexities of restaurant insurance.

Aside from property liability coverage, there’s an important difference to note between general liability (such as a customer slipping on a spilled drink) and professional liability (such as a bout of food poisoning from bad food or inadequate preparation). General liability primarily covers patrons who are injured on your property, as well as property damage, and can help protect you from potential lawsuits. Professional liability, on the other hand, helps protect your restaurant if someone gets sick from spoiled food products.

The hidden risks of running a restaurant.

Other elements that are easy to overlook include the risks of fraud and data theft that come with handling cash and card payments, the risks of spoiled food you have to throw away if there’s a power outage or refrigeration failure, and the risk of lost business if you close for repairs after a fire.

Help protect your restaurant by contacting us today.

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As an independent agency, we are here to help you find the right Restaurant Insurance coverage.

Restaurant Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Rental Reimbursement With Downtime

Risk Factor

A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.

Solution
Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.

Trailer Interchange

Risk Factor
There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.
Solution

If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.

Motor Truck General Liability

Risk Factor
Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.
Solution
Motor truck general liability insurance may provide coverage for bodily injury and property damage, personal or advertising injury, and other damages caused by the company’s own negligence.

Garagekeepers and On-Hook

Risk Factor
Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.
Solution
On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.

Motor Truck Cargo Insurance

Risk Factor
For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.
Solution

Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.

Commercial Trucking Insurance

Risk Factor
The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.
Solution
Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.

Bobtail Insurance

Risk Factor
Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.
Solution

Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.

Physical Damage

Risk Factor
If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.
Solution
Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.

Non-trucking liability

Risk Factor
Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?
Solution

Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.