Restaurants & Food Services
Integrated property, general liability, and liquor liability portfolios designed for the high-hazard environment of the hospitality sector.
Operational Risk Profile
Food and beverage operations run on tight margins and face extreme daily hazards. Primary risks include severe property fire loads in commercial kitchens, high-frequency employee injuries (burns, slips, cuts), foodborne illness outbreaks, and the catastrophic third-party liability associated with the over-service of alcohol.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Commercial General Liability & Product Liability
Required to cover premises injuries and illnesses directly resulting from the consumption of prepared food.
Liquor Liability
A mandatory coverage for establishments serving alcohol, protecting against claims arising from the actions of an intoxicated patron.
Property & Spoilage Coverage
Essential for replacing lost inventory if a prolonged power outage or equipment failure causes refrigeration systems to fail.
Want a quote for Restaurants & Food Services?
Send us a few details and we’ll find you options from multiple carriers.