Restaurants operate in one of the most liability-dense environments in business — slip and falls, foodborne illness, liquor liability, and kitchen fires are daily exposures. We protect independent restaurants, chains, caterers, and food trucks with tailored coverage.
Restaurants face more liability claims per square foot than almost any other type of business.
Slip & Fall Accidents
Wet floors, spills, uneven surfaces, and parking lot hazards make restaurants one of the leading sources of premises liability claims.
Foodborne Illness
A food contamination incident can result in multiple claimants, health department investigations, and devastating reputational damage.
Liquor Liability
If you serve alcohol and a patron causes an injury or accident after leaving your establishment, you can be held liable under dram shop laws.
Kitchen Fires & Equipment Failure
Commercial kitchens are high-risk fire environments. A grease fire or faulty equipment can shut you down for weeks.
Employee Injuries
Burns, cuts, slips, and lifting injuries are among the most common workers' comp claims in the food service industry.
Restaurants need a bundled, restaurant-specific insurance program that addresses every aspect of food service operations.
Core coverage for slip-and-fall claims, customer injuries, and property damage — the most common restaurant claims.
Covers your building, kitchen equipment, furniture, and inventory from fire, theft, and equipment breakdown.
Required in most states. Covers your kitchen staff, servers, and bartenders for work-related injuries.
Covers delivery vehicles, catering vans, and food trucks used in your restaurant operations.