Restaurant & Food
Coverage for kitchens, staff, and the fast-paced nature of food service.
Coverage built for a fast-paced, hands-on business
Food service is a fast-paced, high-pressure environment with unique exposure built in, customer safety, food preparation, and a kitchen full of equipment all carry risk that a generic policy wasn’t built for. Coverage should reflect the pace and pressure of actually running a kitchen.
Who we work with
- Restaurants and cafes
- Catering businesses
- Food trucks
- Bakeries
- Bars and breweries
Common risks in restaurant & food
- Customer safety and food preparation, where an illness, injury, or complaint can turn into a liability claim
- Property and equipment loss, covering kitchens, dining space, and equipment against fire, flood, or theft
- Delivery and vehicle risk, if your business does deliveries or otherwise uses vehicles for work
- Cyber exposure, from point-of-sale systems, online ordering, and customer payment data
What coverage typically looks like
Most food service businesses combine general liability and property insurance as a base, adding commercial auto if deliveries are part of the business and cyber insurance for payment and ordering systems. Pricing typically depends on your equipment, what you serve, your building, and your staff.