Restaurant Insurance Coverage Created Just for You
When it comes to protecting your restaurant business, having the right restaurant insurance is part of the recipe for success. We know the risks you face daily, and we’re here to help with whatever comes your way.
Restaurant Liability Insurance for Small Business Owners
If you serve any kind of food or drink, you need restaurant liability insurance. Being in the food and beverage business comes with great risks. Protect your restaurant with the best coverage tailored to your unique needs. At Baldon Insurance Group, we believe in small businesses and strive to understand restaurant owners so we can provide the most effective protection.
Who Needs Food Insurance?
- Cafes/Coffee Shops
- Fast Food Restaurants
- Ice Cream Shops
- Fine Dining Facilities
- Full Service Restaurants
- Caterers
- Cafeterias
- Pizza Shops
Why Is Restaurant Business Insurance So Important?
Insurance helps protect the restaurant business you’ve worked hard to build while keeping it moving forward. Problems can arise despite your best efforts, and we’re here to help if they do. We provide restaurant insurance coverage designed specifically for your needs, giving you peace of mind to focus on running your business.
What’s the Best Small Restaurant Insurance I Can Get?
For those in the food and beverage industry, starting with a Business Owner’s Policy (BOP) is recommended. A BOP combines three essential insurance coverages important for almost every business:
- General Liability Insurance: Helps protect you from claims of bodily injury or property damage to others.
- Commercial Property Insurance: Covers your owned or rented building and the equipment you use to run your business.
- Business Income Insurance: Helps replace lost income if you can’t operate due to a covered property loss.
Most restaurant owners with employees are also required to have workers’ compensation insurance.
Protecting Your Restaurant Property
Having the right coverage can help protect your restaurant from unexpected events.
Property Damage
If a fire, vandalism, or other accident damages your restaurant, a BOP can help get you back up and running.
Auto Accidents
If a delivery driver gets into an accident, commercial auto insurance can help cover the costs of repair and medical expenses.
Taking Care of Your Restaurant Team
Accidents happen daily in restaurants. Protect your employees and your business with the right insurance coverage.
Injured Employees
Workers’ compensation insurance is required for most restaurant owners. It provides employees with benefits for work-related injuries or illnesses.
Workplace Harassment
Employment practices liability insurance helps protect against lawsuits related to wrongful termination, discrimination, and harassment, which can be costly for your business.
Covering Your Restaurant Operations
While you can’t prevent every issue, you can be prepared. Whether it’s customers causing problems or weather affecting your operations, having the right insurance coverage is crucial.
Water Contamination
If your water supply becomes contaminated and undrinkable, drinkable water coverage helps cover the loss of business income and extra expenses incurred while your business is shut down.
Customer Intoxication
Liquor liability insurance can help cover legal costs, court fees, and civil damages resulting from your liquor sales.
Food Insurance Made for You
We love serving, too. Our priority is being there for our customers, just like you. We’ve worked hard to bring you the exact kind of coverage you need. Our restaurant business insurance plans are designed with you in mind, so you can focus on what’s on the menu and have peace of mind about all the rest.
