Restaurant Insurance & Food Service Insurance

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Thousands of restaurants are hit with lawsuits ranging from $50,000 to several million dollars annually.

What would you do if you were hit with a liability suit for more than your current restaurant insurance covered?

Thankfully, here at InsuranceHub, we have experience helping to provide affordable:

  • Catering Business Insurance
  • Coffee Shop Insurance
  • Mobile Food Truck Insurance
  • Restaurant Insurance – with alcohol
  • Restaurant Insurance – without alcohol
  • Concession Stand Insurance

Here are a few of the reasons why restaurants, catering businesses, coffee houses, and mobile food trucks are sued each year:

  • Slips and falls
  • Food poisoning (ie: salmonella and E. coli)
  • Sexual harassment
  • Food allergies
  • Non-disclosure of ingredients or calories
  • Wage disputes
  • Racism
  • Customers finding foreign objects in their food

Restaurant Insurance Information

Regardless of the type of restaurant you own, your priority is your customers and keeping them happy. And, as a restaurant owner, you know that managing the daily aspects of a restaurant is a massive undertaking: keeping your stock fresh and full while watching your food costs, keeping your certifications up to date and your employees trained, keeping the doors open and the restaurant operating, etc.

Simply having your restaurant open and serving high-quality food is enough to keep you running all day long. So when it comes to insurance, you shouldn’t have to spend any of your valuable free time searching around for insurance rate quotes. That’s where InsuranceHub can help. We will help you to get the coverage you need to keep running and growing your restaurant.

When it comes to the insurance needs associated with a restaurant, we know exactly what it takes to get you covered. With a full menu of food items that may or may not include alcohol, you have enough going on already. We’re here to help.

Types of exposure that restaurants and food establishments need protection from:

Property exposures:

  • Kitchen fires due to grease.  Keep floors, food preparation areas, and cooking areas free of grease. 
  • Have fire extinguishers on hand.
  • Make sure that all grills and deep fryers are working and operational. There should be automatic fire extinguishing protection, hoods, and filters. 
  • Have vent hoods and filters cleaned and replaced regularly

Equipment breakdown exposures: If any of your refrigeration or cooking equipment goes down, your customers will have to wait too long to eat. They may leave bad reviews on sites like Yelp and Urbanspoon.

Crime exposures:

  • Before hiring employees, have their backgrounds checked before allowing them to handle money or use the cash register.
  • Have video cameras to deter employee theft and hold ups.
  • Don't let cash accumulate in the cash drawers.

Inland marine exposures:

  • Do you have paintings, artwork, and statues that showcase local artists on loan? 
  • Keep copies of all bookkeeping records and computer files off site
  • Do you offer a coat checking service to your guests? Talk to your agent about a bailees' rider.

Other food service and restaurant exposures:

Premises liability exposures: 

  • Beware of slips resulting from spilled food and drink. Have spills cleaned immediately.
  • Keep bathroom floors clean. Put out "Danger: Wet Floor" signs as needed.
  • List all food ingredients so customers with allergies can make informed decisions.
  • Make sure all emergency lighting is operational.
  • Clean all sidewalks and parking lots of ice, snow, and debris.
  • Make sure exterior lighting is sufficient for people to make it safely to their cars.
  • Have you trained your employees about how to deal with inebriated and disgruntled guests yet?

Products liability exposure: The biggest problems are due to food poisoning and allergic reactions. 

  • Please post ingredients of every dish.
  • Make sure all refrigeration equipment is operating at the correct temperature.
  • Do not leave food sitting out on counter tops.
  • Throw away food that has spoiled or is past the safe use date.

Liquor liability exposure: 

  • Train your employees to check photo ID on everyone before serving them alcohol.
  • Train your employees to never serve alcohol to an intoxicated patron.
  • Offer to call a taxi for guests who are drinking.

Automobile exposure:

  • Do you offer valet parking services? Talk to your agent about getting a garage keepers policy.
  • Do you outsource valet parking? Make sure they're listed under "additional insureds."
  • Do you have employees running errands in company vehicles? Please check DMV records first. 

Workers' compensation exposures:

  • Strained backs and wrists from carrying heavy dishes from the kitchen to the customers' tables.
    • Teach your staff how to do this ergonomically.
  • Clean up spills immediately to prevent slips and falls.
  • Clear direction will lead the fewest injuries. Company incentives to encourage long-term employment are positive signs of management control.

Here is the minimum recommended restaurant insurance coverages:

Other food service insurance coverages to consider: 

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