Restaurant Insurance 

Before deciding which types of restaurant insurance are right for you, it’s important to assess your current coverage and how your business has grown. Many restaurant owners start with just general liability but forget to update their coverage as they expand, renovate, or diversify.

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Failing to update your insurance could leave your business exposed to risks, including property damage and potential lawsuits. So, what does restaurant insurance cover? Here are several types of coverage available to provide complete protection for your restaurant:
 

• Property Insurance: Protection against fire, vandalism, or other forms of property damage.

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• General Liability: An umbrella policy that covers a wide range of risks, such as slip-and-fall accidents on your premises.

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• Liquor Liability: Coverage for restaurants with a liquor license, protecting against alcohol-related incidents.

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• Workers' Compensation: Coverage for employees injured or made ill on the job.

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• Automobile Liability: Protection for company vehicles and restaurants offering delivery services.

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• Loss of Business Income: Coverage for lost sales or income caused by events beyond your control, such as a disaster or shutdown.

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• Food Contamination Insurance: Replacement for spoiled food due to power outages or other interruptions.

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• Specific Peril Insurance: Protection against natural disasters, including coverage for power outages.

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Learn more about our line of comprehensive restaurant insurance products by requesting a quote online or contact us at 601.371.9911

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How to Choose a Restaurant Insurance Provider

 

When selecting the best restaurant insurance provider for your business, it’s important to identify the key features that set top-rated companies apart. Consider these factors:
 

• Industry-Based Knowledge: Work with an insurance agent who not only has expert underwriting skills but also experience in the restaurant industry.

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• Competitive Pricing: Ensure you get top-tier coverage at a competitive price, balancing value with protection.

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• Customized Solutions: Every restaurant has unique needs—your insurance should reflect that with tailored coverage options.

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• Flexible, Easy Payment Options: As a restaurant owner, your time is valuable. Look for a provider with payment methods that fit your fast-paced schedule.