Commercial kitchen property
Protection for commercial ranges, walk-in coolers, espresso machines, and custom dining furniture.
Hospitality risk management
Restaurant and food service insurance built for real kitchen and dining operations.
Protect restaurants, cafes, bars, taverns, and catering operations with custom packages covering commercial kitchens, equipment breakdown, refrigeration food spoilage, customer slips, and workers.
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Why is restaurants & hospitality on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Kitchen heat & public spaces
Where culinary passion meets premises and fire liability.
Restaurants experience high foot traffic, hot commercial cooking surfaces, and perishable inventory daily. We structure policies that address grease extraction, power loss spoilage, and guest safety.
Key coverage solutions
Structured around the realities of your situation.
Refrigeration spoilage
Reimburses perishable food and beverage inventory lost due to power outage or mechanical failure.
General & liquor liability
Defense against guest slip-and-falls, food allergy reactions, and alcohol service liability claims.
Kitchen workers compensation
Covers line cooks, servers, and dishwashers for slip, burn, and cut injuries sustained in fast-paced kitchens.
Quote underwriting details
What we need to build your independent comparison.
- UL 300 hood suppressionVerification of certified fire suppression hoods and semi-annual professional cleaning contracts.
- Liquor sales ratioPercentage of gross revenues derived from food vs beer, wine, and spirits sales.
- Operating hours & entertainmentClosing times and presence of live entertainment, DJs, or outdoor patio seating.
Related discovery
Frequently asked questions
Common questions about restaurants & hospitality.
Is food spoilage covered if our walk-in cooler fails?
Yes, with our restaurant equipment breakdown and utility spoilage endorsement, lost inventory and replacement stock are covered.
Do I need separate liquor liability insurance?
If your establishment serves alcoholic beverages, standard general liability excludes alcohol-related claims. A dedicated liquor liability endorsement is essential.
Why do carriers inspect our kitchen hood suppression system?
Commercial kitchen grease fires are the leading cause of catastrophic restaurant loss. A certified UL 300 hood suppression system is a standard underwriting requirement.
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