Restaurant Insurance
Your specialty is our specialty.
Be prepared for the unique risks of your industry.
Whether you operate a five-star restaurant, a food truck, or a catering business, your menu of potential risks may be more extensive than your food offerings. Going far beyond the usual fire, liability, auto, and workers compensation needs of most businesses, you may need coverage to protect against:
- Bad credit card receipts
- Business interruption
- Employee theft
- Equipment breakdown
- Food spoilage
- Liquor liability
- Outdoor sign damage
- Sewer and drain backup
- Utility outages
If you are located in a region known for disasters such as earthquakes or floods, you may need special peril coverage to sustain you if you are closed or suffer the loss or tourist business from a storm. You may even need multinational coverage for your overseas locations.
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What does a restaurant policy cover?
The needs may vary according to whether you are a:
- Family, casual, or fine dining restaurant
- Company or franchise owned restaurant
- Fast casual or quick service restaurant
- Food management contractor
- Food truck
- Independently owned or chain restaurant
- Pizza shop
- Catering service
At the minimum, most restaurant owners and operators require:
- Business property insurance to cover losses from fire, hail, or other event to your building and the fixtures, furniture, and restaurant equipment inside.
- Liability coverage to protect against injuries at the restaurant, accidents, or mistakes such as claims of food poisoning.
Each type of restaurant poses slightly different risks, so what your restaurant insurance policy is written to cover will vary, as will your restaurant insurance costs. A smart restaurant owner makes sure his business will survive risks he is likely to face.
Getting a restaurant insurance quote.
To get the best restaurant insurance quote that matches your business situation, request a consultation with your personal Palm Desert Insurance agent. They know which companies offer coverage to restaurants like yours and who can offer you the best package of coverage for the risks you have. You may be able to add coverage to your business owners policy (BOP); your agent will offer recommendations about the best way to set up your coverage for obtaining affordable rates from its network of companies.
Call us today at (760) 341-2345 for a coverage and rate comparison on a restaurant insurance policy that’s right for you.
We are proud to provide insurance services throughout California in Palm Desert, Palm Springs, La Quinta, Indio and the Coachella Valley. We also serve cities in Arizona such as Phoenix, Scottsdale, Surprise, Glendale and Mesa.
888-880-8872
73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260