Restaurant Insurance

Running your restaurant can be enough of a challenge without worrying about things like lawsuits, loss of income or property damage. Having the correct restaurant insurance can help alleviate these worries and let you focus on your service and food. The restaurant industry faces a large range of risks, but each restaurant is unique.

Typical restaurant policies are written on a BOP (Business Owners Policy) and often include coverages such as:

  • General Liability Insurance
  • Worker's Comp Insurance
  • Property Coverage
  • Identity Theft Insurance
  • Valuable Papers Coverage
  • Loss of Income Insurance

So who needs restaurant insurance?

Every restaurant and food related business should carry some form of restaurant focused insurance to protect themselves. Examples of the different types of restaurant insurance we offer to food businesses include:

  • Bar Insurance
  • Casual Dining
  • Fine Dining
  • CafĂ© Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Short Order
  • Fast Food Insurance
  • Pizza Restaurant Insurance

Some of the restaurants above require specialized coverages that should be reviewed with a professional insurance agent that knows your area of focus. Make sure you and your insurance agent are familiar with the local rules and regulations in your community.

Explore your options for additional protection

Commercial auto insurance

Pay for possible claims resulting from your employee's accident while operating a company vehicle, or even while driving their own while on company time.

Equipment breakdown coverage

Protect your restaurants most valuable equipment against power surges, mechanical breakdown, or operator error.

Workers compensation coverage

Protecting those who work for you can be one of your highest expenses. And while workers comp is required by law, this coverage, can replace lost wages, pay for medical treatment and protect your business assets should an employee suffer a serious work related injury.

Employee practices liability insurance

Protect the company and yourself against discrimination charges, harassment and or wrongful termination.

Property and sewer or drain coverage

Protection for your building and its contents from losses resulting from fire, sewer troubles and more.

Utility services coverage and spoilage coverage

An interruption in utilities services can ruin your inventory. Protect yourself with very little cash out of pocket.

Employee dishonesty coverage

Provide coverage to help in recovering losses from an employee theft incident. It is important to work with your professional agent to obtain the correct amount of coverage for your restaurant.

See what you could save

In addition to outstanding protection, Williams Insurance also provides policies with extremely competitive rates and flexible payment plans with covenant online bill pay capabilities.