Restaurant Insurance

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 thoughtfully matched 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. Coverage can include:

  • Property Damage
  • Auto Accidents

Taking Care of Your Restaurant Team

Accidents happen daily in restaurants. Protect your employees and your business with the right insurance coverage. Coverage can include:

  • Injured Employees
  • Workplace Harassment

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. Coverage can include:

  • Water Contamination
  • Customer Intoxication

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