Did you make changes to your restaurant in order to cope with COVID-19 restrictions? 

For example:

Did you expand seating?

Did you add or remove staff?

Did you start making deliveries?

Did you add outdoor seating?

Did you start catering? 

Did you have to shut down for a span of time? 

*If you answered yes to any of these questions, we have the perfect insurance for you!!*

Here are some of the main types of restaurant insurances we offer:

General Liability:

This protects any customer who experiences bodily injury (including food poisoning) or property damage at the business. 

Liquor Liability:

This can be endorsed onto the general liability policy in order to cover bodily injury or property damage caused by the sale or service of alcohol. 

Commercial Property:

This covers equipment, inventory and business income interruptions for covered losses. 

Workers' Compensation:

This protects employees by providing coverage for medical expenses and supports restaurant owners in case of a lawsuit. 

Commercial Auto:

Covers vehicles used for business purposes, including catering or delivery vehicles. 

Added Outdoor Seating?

Most restaurants added outdoor seating during COVID-19 so that their customers could enjoy a good meal and feel safe at the same time. If this is a permanent addition to your restaurant, you will need to ensure that your commercial property insurance provides adequate coverage for the expanded outdoor area. 

More Takeout Meals?

Some restaurants may have purchased new equipment in order to keep up with the demand for takeout options. If this is the case, you can protect this investment with business personal property coverage, which can easily be added to your commercial property insurance! 

Takeout also means that you have less control over food serving temperatures. It is in your best interest to review current general liability coverage to ensure it protects you against foodborne illness-related lawsuits. 

Making Deliveries?

If the restaurant or restaurant owner owns a vehicle being used to make deliveries, you will need to be covered by commercial auto insurance. 

Many owners don't have dedicated business vehicles to make deliveries- they use their personal vehicles. Having a personal auto policy most likely won't cover any business-related accidents or claims so it is in your best interest to look into purchasing insurance that will cover your business vehicles! 

Staffing Changes?

Due to indoor seating restrictions, many restaurants had to make difficult layoffs in order to reduce expenses. Some are still working with a smaller staff. Others might be hiring new, part-time, or seasonal employees with the anticipation of more customers. 

whatever situation you are in, we can help you navigate the complexities of workers' compensation to ensure that you are in compliance with the state laws and not overpaying for coverage that is not needed. 

Temporary Shutdowns?

One of the toughest parts during the pandemic was the unpredictability of closing and reopenings. Some places had to shut down temporarily due to local regulations not allowing indoor dining. Others had to deal with unexpected closings due to staff members contracting COVID-19. 

We can help save you money by updating your reported revenue to make sure you are getting the most accurate premium prices! 

Let us help you find the best coverage for your restaurant so we can make sure you're not over-insured or underinsured!

Call Us Today for a Free Quote!!! 

302-644-7810