Restaurant Insurance

Restaurants are exposed to a wide range of risks that make them vulnerable to lawsuits and other crippling liabilities. Kitchens can be dangerous, food can go bad, and large numbers of people frequenting restaurants are obvious risk factors. Restaurant insurance protects against these types of risk and helps prevent financial situations that are impossible to overcome.

Protect yourself and your livelihood through one of our many insurance carriers. Our team of experts can help you find dependable coverage so you can concentrate on what matters most – your food and customers.

Who needs it?

Businesses that cook and serve food should have adequate restaurant insurance. Business types can include:

• Bars / Taverns
• Cafés / Coffee shops
• Diners
• Delis
• Food delivery services
• Fast food franchises
• Lounges
• Pizzerias
• Sandwich shops
• And many more!

What does it cost?

Each restaurant has its own unique qualities that expose them to different types of risk. For this reason, the cost varies from business to business. Common factors that influence your rate include the types of food you sell, cooking methods, and your building and employees, to name a few.

For example, a small coffee shop with limited cooking can expect their insurance cost to differ from a large tavern with a bar and full-sized industrial kitchen with fryers and ovens.

Please refer to your actual policy for a complete list of losses not insured and policy exclusion.

Ask an Agent at Johannes Agency for more on which Business Insurance product is right for you!