Restaurant, Fast Food & Deli Insurance Programs

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Restaurants are huge investments that come with great opportunity for success. With that opportunity, however, comes just as great a risk. Serving food to customers comes with its own perils. Food poisoning, choking and other hazards all come with the territory of running a restaurant. You want to make sure the restaurant you’ve built is protected no matter what.

Exceed Insurance understands how exciting a business venture can be. We want to help protect your assets.

Why You Need Coverage

The last thing a business owner wants is for all their hard work to go down a drain. Damage to the store or a bad claim against food poisoning can ruin a restaurant forever. For restaurants that serve alcohol, a patron that crashes their vehicle after drinking at your restaurant can result in expensive legal backlash. With Exceed Insurance, we'll make sure you find a policy that fits your restaurant's needs.

What We Offer

Exceed Insurance works with a long list of insurance carriers to find different policies for unique businesses. Coverage options your restaurant may need include:

  • Property Coverage: This coverage protects the restaurant building and its contents.
  • Business Income Coverage: In case of an accident where business is suspended, this coverage helps reimburse you for the income lost while the business is unable to run.
  • Equipment Breakdown Insurance: Stoves, fryers, refrigerators, freezers and other equipment are incredibly important to restaurants. Equipment Breakdown Insurance helps pay for repairs or replacement of such equipment.
  • General Liability Insurance: This offers protection when bodily injury or property damage occurs on the restaurant's property.
  • Food Contamination Coverage: This insurance helps pay for food that is spoiled or contaminated — such as food that sours while the refrigerator or freezer isn't working.
  • Liquor Liability Coverage: Any business that sells liquor should carry liquor liability insurance. Liquor liability protects the business against claims regarding a patron's actions after drinking at your restaurant.
  • Auto/Valet Liability Coverage: Restaurants that offer valet parking should consider carrying valet liability insurance in case damage occurs to either the vehicle or the driver.
  • Hired/Non-Owned Vehicle Liability Coverage: If your restaurant uses non-owned vehicles to move or distribute goods, this insurance offers coverage for bodily injury and property damage that may occur while you or an employee is driving.
  • Assault And Battery Coverage: This is important for restaurants and bars, especially those that sell alcohol. It may pay legal fees and medical bills in case fighting patrons get injured on the restaurant's property.

Frequently Asked Questions

What Kind of Insurance Does a Restaurant Need?

Insurance requirements for a restaurant can vary per state. In the U.S., you typically need workers compensation, unemployment and auto liability insurance.

How Much Does It Cost to Insure a Restaurant?

Restaurant insurance costs differ depending on multiple factors — including location and the amount of coverage. The average for general liability insurance can vary from $500-$6,000 a year.

What Does Restaurant Insurance Cover?

Depending on your policy, restaurant insurance should cover enough to keep your property, your employees and your patrons safe. This includes carrying the amount of coverage required by the U.S. and by your state. Coverage available for restaurants includes food contamination coverage and valet liability.

How is Restaurant Insurance Different Than Standard Business Insurance?

Restaurant insurance is tailored specifically to a restaurant's unique needs. Typical business insurance won't cover spoiled or contaminated food or liquor liability.

Contact a committed Exceed Insurance agent today and protect your restaurant's assets with the best possible coverage.

Safeco
Travelers
AAA
Nationwide
Berkshire Hathaway Guard
Grange
The Hartford
Liberty Mutual
Progressive
Indiana Farmer
Acuity
Encompass
Universal Property
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