Restaurant Insurance

As the owner of a restaurant, you want nothing more than to offer your customers delicious food, a good atmosphere, and fun times. However, running your own restaurant does open you up to a considerable number of risks. Luckily, you can protect yourself against damaging and costly claims by securing the proper restaurant insurance.

Who Needs Restaurant Insurance?

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Every business that is involved in the preparation and serving of food and beverages should secure restaurant insurance coverages.  This includes the following:

  • Fast food restaurants
  • Casual dining restaurants
  • Fine dining restaurants
  • Pop-up restaurants
  • Cafés and coffee shops
  • Delis
  • Specialty food shops
  • Cafeterias
  • Buffets
  • Bars, pubs, and clubs
  • Food trucks
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Common Risks

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Restaurant owners are most vulnerable to risks related to property damage, equipment breakdown, and major liability issues.  While every restaurant is different and therefore has its own unique risks, there are several overarching threats that everyone in the culinary and food service industries faces.  Some of the most common threats that restaurants face include:

  • Property and equipment damage caused by fire
  • Damage caused by flooding, storms, natural disasters, and other extreme weather events
  • Theft and vandalism
  • Crime, such as instances of employee fraud
  • Employee injuries
  • Customer, vendor, or other third-party injuries
  • Restaurant professional liability issues, such as cases of food poisoning
  • Liquor liability issues
  • Employment practices liability issues

While these risks seem overwhelming, securing the right restaurant insurance coverages can help you address these threats and protect your commercial assets.

Basic Coverage

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When it comes to insuring a restaurant, there is no single policy that will offer all the coverage that you need.  Instead, restaurant owners need to secure a variety of commercial policies to protect against the various risks that they face.  Common types of insurance include:

  • Commercial Property
  • Equipment Breakdown
  • Earthquake
  • Flood
  • Restaurant Crime
  • Workers Compensation
  • Commercial General Liability
  • Restaurant Liability
  • Liquor Liability
  • Employment Practices Liability
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Savings & Discounts

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Securing the comprehensive coverage that your restaurant needs doesn’t need to break your budget.  We at John E. Peakes Insurance Agency have the experience, resources, and industry connections to secure the right coverage for your restaurant at a price that you can afford.  Additionally, you may also have the ability to secure discounts to help you save even more on your commercial coverage.  Please speak to one of our expert agents and ask about your eligibility for discounts including the following:

  • Safety Discounts
  • Bundling Discounts
  • Group Discounts
  • Loyalty Discounts

If you are interested in learning more about restaurant insurance or if you would like to receive a free quote for your business, contact us. Call us at 800-800-5199 to speak to one of our experienced agents, or visit us at one of our convenient California locations in Lancaster, Monterey, or Ventura. We are eager to assist you with all your coverage needs today!

Get a FREE Quote Today!  Contact Us

Get a FREE Quote Today!  Contact Us