Restaurant, Bar, Pub & Tavern Insurance
Business Property Insurance
Your business property goes beyond your building and contents. Our specialized hospitality insurance may also cover business interruption, food spoilage, sewer and drain backup, lost business income due to utility failure, equipment breakdown, signage, employee crime, high-value art, and more. Our Business Owners Policy for restaurants, bars, pubs and taverns is an affordable (BOP) with one of our A rated admitted insurance companies. This poicy covers common perils, including fire, vandalism, storm damage and broken pipes. It may also cover, or give the option to cover, flood, sprinkler leakage, and the extra expenses associated with a business shutdown due to a covered loss.
General Liability Insurance
A business owners policy for all hospitality type of risks will cover your general liability exposures, and it may provide damage you do to leased property, and some pollution liability among others.
Liquor Liability Insurance
Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated person should be the one to pay, in reality the business that served the alcohol could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.
Loss of Income
Business income insurance is an important but often misunderstood coverage. It is designed to replace income lost as a result of an occurrence that is covered by the policy. It can also cover continuing expenses like payroll or extra expenses incurred during the restoration period. .
Food Spoilage Insurance
Many businesses in the hospitality industry fail to understand the importance of spoilage insurance until after they find themselves in need of it, either because they lost money from spoiled food or have received a patron lawsuit as a result of food poisoning. The first thing you should know is that it’s a fairly inexpensive add-on to your general business insurance policy. That makes it a simple addition for most restaurant owners and provides a flat amount of protection for your restaurant in the event that a power outage or refrigeration equipment malfunction leads to spoiled food.
Workers Comp Insurance
Almost every business with a least one employee needs Work Comp Insurance. Employers penalties for not having Work Comp vary State by State. The penalties can include cease and desist orders, prosecution for insurance fraud, fines, and jail sentence. Work Comp also protects your business from being sued.
A Few Reasons Why Agency Relevance Demo Site Insurance Specialists is right for your business
- Get a quote online or call us to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy.
- Competitive Pricing - premium discounts and policy dividends available
- Cash Flow Assistance - flexible payment plans and low minimum premiums
- Stability and Dependability - financially strong with many years of experience
- Fair & Efficient Claim Handling - three point contact helps manage care and control costs
- Anti-Fraud Programs - our carriers investigators have saved tens of millions of dollars
- Loss Control Support - Online resources help you manage risk and control injuries