If cooking is your passion and you want to make money with a restaurant, you need an insurance policy that will cover every risk on the menu. Our independent insurance agents will search to find the right coverage to keep your business up and running. As a Trusted Choice agent, we work for you to provide the best coverages at the best rates, and we can assist you with managing the risks of owning a Restaurant. Here are is some advice courtesy of Trusted Choice.
Why Do I Need Restaurant Insurance?
You could lose your stuff: Damage or loss of your property, equipment, and inventory.
You could be sued: A drunk-driving accident caused by an overserved customer.
You could make a mistake: Food poisoning caused by improper handling of ingredients.
What Does Restaurant Insurance Cover?
Property: This covers your business’s physical assets, from buildings to furnishings. It usually includes coverage for fire, natural disasters and theft.
Spoilage: This covers any inventory that spoils in a power outage or similar mishap.
General liability: This covers costs if someone is hurt in your restaurant, including food poisoning. (Check with your independent insurance agent to ensure that your policy doesn’t exclude communicable disease from coverage.)
Liquor liability: If you sell alcohol, this covers costs related to someone becoming intoxicated at your restaurant and hurting themselves or someone else
Workers compensation: This covers your employees’ medical treatment and lost wages if they get injured on the job.
Garagekeepers: If you have a valet service, this covers damage to customers’ cars that may result.
Boiler and machinery (equipment breakdown): This covers repair and replacement costs for your equipment under a wide variety of circumstances, including power surges and mechanical breakdowns.
How Much Does Restaurant Insurance Cost?
Small restaurants and food stands: A few thousand dollars per year.
Large, high-end restaurants: Potentially over ten thousand dollars per year.
Chain restaurants: Premiums can vary, but will cost the most due to sheer numbers.
Comparing Restaurant Insurance Quotes
Our agents will review your needs and help you evaluate the restaurant Insurance coverage that makes the most sense. They’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place.
What's So Great About Independent Insurance Agents?
Independent insurance agents excel at matching the most appropriate policy to the business in need. Shopping around for insurance policies can be tricky, confusing, and time-consuming, and an independent insurance agent's role is to simplify the process for you, so you can spend time running your restaurant.
We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.
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