PROTECTION DESIGNED FOR THE BUSINESS BEHIND EVERY TABLE

Tailored commercial policies built for hospitality exposures. Coverage applies according to applicable policy terms, conditions, exclusions, and limits.

Core Liability & Property

Operational & Spoilage Protection

Workforce & Specialty Lines

General Liability protects against third-party bodily injury and property damage. Business Owners Policies (BOP) bundle liability with Commercial Property.

Business Income coverage supports payroll and net income during disruptions. Equipment Breakdown and Food Spoilage cover critical refrigerator assets.

Workers' Compensation for kitchen staff, Commercial Auto for deliveries, Employment Practices Liability, Cyber Liability, and Umbrella excess coverage.

INSURANCE FOR DIFFERENT FOOD-SERVICE BUSINESSES

Customized coverage programs designed for diverse culinary models, from fine dining establishments to mobile food operations.

Dining Rooms & Cafés

Takeout & Mobile Units

Kitchens & Catering

Comprehensive protection for full-service restaurants, fine dining, cafés, coffee shops, bakeries, and fast-casual dining establishments.

Targeted coverage for dedicated takeout operations, food trucks, and mobile dining units with specialized auto and equipment endorsements.

Specialized policies for commercial ghost kitchens, off-site catering businesses, and regional food-service production facilities.

PROTECT THE PROPERTY THAT KEEPS YOUR BUSINESS OPERATING

Restaurant operations face unique third-party liability exposures alongside significant investments in specialized infrastructure. Coverage applies only according to policy terms, conditions, and limits.

Key considerations include tenant improvements, dining furniture, fixtures, commercial kitchen equipment, inventory, business personal property, and point-of-sale systems.

Speak with our commercial hospitality specialists to evaluate your coverage limits and secure tailored quotes for your food-service operation.