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Eat, Drink, and Be Protected with

Restaurant Insurance

Whether your restaurant is a small family-owned business or has grown to a prominent chain, you rely on your reputation and ability to serve your customers quality food on a daily basis. The level of risk associated with your business depends on several factors, such as size, alcohol sales, and food delivery. In general, restaurant insurance products protect your business from risks like lawsuits from negligent service of alcohol, food sickness, injury or property damage, reputational risks, equipment breakdown, food contamination, delivery accidents, and cyber threats. Our professionals have restaurant and bar expertise and can build a quality package that protects you, your business, and your reputation.

Partner with us

Discuss your options for protecting your reputation and your business.

Consider Protecting Your:

  • Income and future earnings
  • Building and its contents
  • Taps, refrigeration, ovens, and kitchen and bar equipment
  • Cash registers, POS systems, and furniture
  • Outdoor fixtures, fences, and signs
  • Vehicles used for food delivery
  • Customer and employee data

Protect Yourself From:

  • Harm or injury caused by drink and food-borne illnesses
  • Bodily injury to visitors on your premises
  • Bodily injury or property damage from intoxicated patrons
  • Personal injury or property damage caused by your employees
  • False advertising, slander, or libel claims
  • Burglary, vandalism, or civil commotion
  • Weather-related events and power outages
  • Building collapse, explosion, and fire
  • Replacing or repairing broken equipment
  • Business down time and loss of income due to equipment failure
  • Food or goods lost as a result of equipment malfunction
  • Car accidents with company or employee vehicles during food delivery
  • Online threats and data breaches

FAQ

What is restaurant insurance?

Restaurant owners invest a great deal of both time and money in their eateries. Without adequate protection, all of this hard work could be lost in moments if something happened. Restaurant insurance helps protect restaurant owners’ investments from a number of potential perils. Restaurant insurance is a form of commercial insurance that’s designed to meet restaurants’ multiple and unique insurance needs. Most restaurant policies are package policies, combining several individual protections into a one policy.

What coverages are restaurant policies able to provide?

Do restaurants that lease space need building coverage?

Do restaurant policies include workers compensation and health insurance?

What restaurants need a restaurant policy?

How much does restaurant insurance cost and what factors affect how much a restaurant policy costs?

MEET YOUR INDUSTRY ADVISORS

Jeff Kroeger

Jeff Kroeger

Mr. Kroeger manages the company's hospitality book of business and is that unit's primary producer. Jeff has been providing exceptional insurance for restaurants, bars, nightclubs, and more for many years. He understands the unique challenges this industry faces and delivers the right coverage at an affordable price.

Timmy Roberts

Timmy Roberts

I am an Anderson Native and a graduate from Clemson University. I have experience in Land Developement, Residential Construction, and Healthcare as an Administrator. Each of these endeavors has led me to what I do now, Commercial Line Insurace. The best part of my career is helping and working with people in many different settings and environments.

Greg Fankhauser

Greg Fankhauser

I am dedicated to getting my clients the best insurance products and services available today to protect them, their families, and their businesses. I am based out of Topeka, Kansas.

HAVEN’T FOUND WHAT YOU’RE LOOKING FOR?

Resources

How Much Liability Insurance Does Your Restaurant Need?

Learn More: How Much Liability Insurance Does Your Restaurant Need?

Locations

260+ Locations to Serve You

Decorative map of World Insurance Associates locations. View all locations: 260+ Locations to Serve You

Resources

Guide to Opening a New Restaurant

Learn More: Guide to Opening a New Restaurant