Home / For Restaurants & Bars
Built for hospitalityInsurance for the restaurant you actually run.
Restaurants, bars, breweries, food trucks, ghost kitchens. Liquor liability, BOP, workers' comp, and property — placed by an agency that knows what a Form 1 endorsement is.
Six lines, one program.
Hospitality risk is unique — food spoilage, liquor liability, kitchen fire, slip-and-fall, employee injuries, and equipment breakdown all in the same building. We package it correctly.
BOP (Business Owner's Policy)
Building, contents, business income, and general liability bundled. Sized for restaurant exposures, not generic retail.
Liquor Liability
Required if you serve alcohol. Defends third-party claims tied to over-service. Limits sized to your nightly volume.
Workers' Compensation
Kitchen burns, slips, knife injuries, lifting strains. Your mod and your class codes both matter — we benchmark both.
Equipment Breakdown
Walk-in coolers, ovens, fryers, HVAC. When it breaks down, food spoils and revenue stops. Coverage for both.
Food Spoilage / Contamination
Spoilage from power loss or refrigeration failure, plus loss of income if a contamination event closes you.
EPLI + Cyber
Employment practices (wrongful termination, harassment) plus cyber for POS systems and online ordering platforms.
What restaurants actually file.
- Slip-and-fall in the dining room or on the patio — GL.
- Kitchen grease fire — property + business income.
- Walk-in cooler failure overnight — equipment breakdown + spoilage.
- Liquor liability dram-shop claim after an incident — liquor liability.
- Employee back injury lifting kegs or supplies — workers' comp.
- Wage-and-hour lawsuit from a server — EPLI.
What we'll need to quote.
Annual food sales, alcohol percentage of sales (for liquor liability), employee count + payroll by role, hours of operation (late-night materially affects liquor liability), and any past claims in the last 5 years.
Quote my restaurantShip plates, not paperwork.
One agency, one renewal date, one phone number for COIs. Send your current policy and we'll show you what's missing and what you're overpaying for.