Restaurant / Liquor Insurance

Who needs restaurant insurance?

Restaurant insurance helps protect you from the risks you face as a restaurant owner, so you can put your focus where it belongs: your food, your customers, and providing a great experience.

Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, workers compensation, vehicle insurance, and business interruption insurance.

We offer insurance to cover all food service businesses, including:

• Bar Insurance

• Café Insurance

• Cafeteria Insurance

• Catering Insurance

• Diner Insurance

• Deli Insurance

• Food Delivery Insurance

• Fast Food Insurance

• Pizza Restaurant Insurance

• Lounge Insurance

What’s covered in a restaurant insurance policy?

There are typically three important areas when making a solid restaurant insurance plan. These coverages include:

• Business Owners Policy (BOP)

• Workers' Compensation Insurance

• Business Crime insurance

Do you need Liquor Liability Insurance?

Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

Liquor liability 101

There has always been a great deal of confusion about the need for liquor liability, even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing. Here are the basics:

• “Dram Shop” Laws are established at the state level and hold alcoholic beverage servers financially liable for the harm that visibly intoxicated individuals cause to other people, themselves, or property

• Liquor Legal Liability provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication

• Host Liquor Liability Insurance Policies cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers

Will you be held responsible?

Court decisions, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet, if not dwindling, market around the country. In fact, more than half the establishments serving alcohol in the United States choose to operate without liquor liability insurance coverage.