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The restaurant business is more complex than ever with new insurance regulations, privacy laws, anever and you want to know you're covered for unexpected occurrences. We write insurance for manyexcellent insurance companies that provide restaurant packages includes Business Liability, Property,Crime, Liquor Liability and other coverages designed to meet your insurance needs. Whether yourrestaurant is a buffet, traditional, contemporary, or fine dining style we have the package right for you.

We offer insurance for the following types of restaurants:

  • Japanese/Asian
  • Fine Dining
  • Family Style
  • Buffet
  • Pizza/Sub Shop
  • Fast Food
  • Take out
  • Steak House
  • Pub

Due to the vast number of insurance markets we have we are able to offer more coverage options forfewer premiums. For example most insurance companies will not want to offer insurance coverageto a restaurant that has liquor sales up to 50%. One of our companies offers great rates for theserestaurants. We also have a company that calculates your premium based on square footage as opposedto gross sales. This could result in huge savings if you have a very successful restaurant, but not a lot of square footage.

Restaurant Coverages

Here are some of the coverage options that are available to you to help you with your insurance needs.

Property and Inland Marine

  • Buildings at Replacement Cost
  • Automatic Increase in Building Amount (called inflation guard)
  • Contents at Replacement Cost
  • Automatic Increase of the contents for seasonal fluctuation
  • Back up of sewers or drains
  • Accounts Receivables and Valuable Papers coverage
  • Computer equipment including Media & Records
  • Earthquake or earthquake sprinkler leakage
  • Transportation (Transit) Coverage
  • Spoilage Coverage
  • Bailee Coverage


  • Employee Dishonesty
  • Forgery & Alteration
  • Money & Securities - both inside and outside of the premises
  • Money Orders & Counterfeit Currency

General and Other Liability

  • Operations and Premise liability including parking lot liability
  • Personal and Advertising injury liability
  • Products and Completed Operations liability
  • Contractual and Owners Protective liability
  • Hired and Non-owned automobile liability
  • Employee Benefits Liability
  • Liquor legal liability (now required in Massachusetts)Worker’s Compensation
  • Huge savings for Restaurants with good financial standing
  • Multiple payment options
  • Multiple credits available to lower your premium