Bar and restaurant insurance
Running a bar or restaurant is difficult. Insuring it shouldn't be.
Call to get a quote for bar or restaurant insurance in minutes.
You've poured your heart into your venture. You deserve the right protection at a price you can stomach.
There’s nothing as rewarding as running a successful bar or restaurant. Whether it’s getting your first rave review or finally getting “into the black,” there are many moments that make it worth the hard work and long hours.
But the road to becoming consistently profitable can be long, with many roadblocks along the way. In an industry with infamously thin margins and high overhead, having the right bar or restaurant insurance can give you added financial security so that an accident or unexpected shutdown doesn’t spell disaster for your business.
Have assets, like inventory or equipment, that can be stolen or damaged.
Risk customer injury or property damage due to your operations.
Accidents that could threaten your establishment
Without proper bar or restaurant insurance, claims can take a considerable toll on the financial viability of your business. Here are just a few examples of accidents that could threaten your investments:
Customer injury: a customer could sustain an injury due to a wet floor in your restaurant bathroom. Without insurance, you would pay for the damage out of pocket.
Spoiled or contaminated food: no matter how many precautions you take, spoilage might happen due to circumstances beyond your control.
Workplace injuries: an employee could have an accident that causes injury, for example, a burn from a kitchen fryer.
Vandals or crime: your establishment could fall victim to vandals or thieves breaking windows and causing other damage during a robbery attempt.
For example, just like when you order a meal at a fastfood restaurant, when you buy the meal deal, it's cheaper than if you buy your sandwich, drink, and fries individually.
Simplifies the insurance process and makes it easier for you to manage multiple coverages in one business owner’s policy.
It’s invaluable to have the peace of mind that you are properly protected through a range of coverages included in one business owner’s policy so you can focus on growing your business.
What bar or restaurant insurance does your business need?
The wide variety within the restaurant industry also means there’s variety in the right insurance products to protect your investments. The cost and type of coverage needed will vary based on where you’re located, the size of your space, and other factors. Having the right restaurant insurance policy in place can protect you, your equipment, and any employees you may have.
While all bars and restaurants need standard policies like commercial general liability and workers’ compensation, you need a comprehensive plan that safeguards your inventory, your equipment, and your personnel from the back of the house to the front and your surrounding property. Additional types of bar and restaurant insurance coverage could include:
How to get bar and restaurant insurance
Don’t navigate commercial insurance alone. While many potential accidents could threaten the stability of your establishment, working with a trusted advisor who understands bar and restaurant insurance can help protect your investments and allow you to focus on getting the job done right.
There is no one-size-fits-all solution for any establishment, which is why it’s important to discuss where and how you operate with a knowledgeable commercial insurance agent who has experience and will get you the coverage you need.
Don’t navigate commercial insurance alone. While many potential accidents could threaten the stability of your establishment, working with a trusted advisor who understands bar and restaurant insurance can help protect your investments and allow you to focus on getting the job done right.
There is no one-size-fits-all solution for any establishment, which is why it’s important to discuss where and how you operate with a knowledgeable commercial insurance agent who has experience and will get you the coverage you need.
FAQs for restaurant and bar insurance
Have more questions?
Call now (380) 225-5242
Standard general liability insurance may not be the only insurance needed to protect restaurants that serve alcohol. An experienced agent who knows the restaurant business will be able to quote the right coverage that includes liquor liability as well as other coverages.
No matter what category your business falls under, the main point to remember is that your business is unique and will have a unique risk profile. Restaurants and bars both need proper coverage for when the unexpected happens. Only a licensed insurance agent familiar with restaurants and bars will make sure you are covered.
Restaurants will need foundational insurance products like business owner's policy (BOP), commercial auto, commercial property, general liability (GL), and workers’ compensation (WC), as well as other coverages specifically designed to protect against claims for foodborne illnesses or allergies. It’s best to connect with a licensed insurance agent to discuss other specific restaurant insurance coverages to protect your business.
If your business is interrupted, due to any number of reasons, you will need the right insurance to make sure you remain financially stable. An experienced agent who is familiar with restaurant and bar insurance will make sure you have the right coverage, including food spoilage or business interruption insurance, in addition to other foundational business policies.
Why choose the Commercial Insurance Center for bar and restaurant insurance?
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing bars and restaurant insurance for businesses like yours.
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing bars and restaurant insurance for businesses like yours.