Busy kitchens, covered
Your space, your equipment, your staff and every guest who walks in. One agent looking at all of it.
Restaurants and food service
Where the risk lives
Restaurants, cafes, bars, catering, food trucks and bakeries.
- 01A guest slips on a wet floor
- 02A fire or equipment breakdown shuts the kitchen for weeks
- 03A kitchen burn or cut, with workers’ comp required for every employee
- 04A claim from a former employee
- 05Staff using their own cars for catering or delivery
Most owners carry
The usual stack
To move fast
Oscar’s tip
Ask about business income coverage. If a covered fire closes you for a month, it can help replace lost income while you rebuild.
FAQ
Questions
Does my package cover spoiled food after a power outage?
Some do with an add-on called spoilage coverage. Oscar will check if yours does.
Do I need liquor liability?
If you serve or sell alcohol, ask about it. Many general liability policies exclude it.
Coverage for restaurants and food service
CoverageSmall business packageBundles property and general liability into one policy, often with business income coverage, at one price.CoverageGeneral liabilityCovers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.CoverageWorkers’ compPays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.
Next step
Ready when you are
Seven quick questions, about 90 seconds. Oscar, a licensed agent, reviews your profile personally.
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