Sevyn had been running her bistro for about 3 years and loved the community that had formed there over time. She enjoyed seeing the regulars who came every day for lunch as well as the newcomers. Almost as much as she liked the community, Sevyn also liked to be prepared. So when it came to picking out insurance, she turned to Insurance Maestro for the very best policy.
Since Sevyn was able to find the best insurance for her bistro through Insurance Maestro, she was taken care of when the power went out and all her refrigerated food went bad. Within a few days, all was back to normal, and Sevyn could go back to serving good food to her community.
At Insurance Maestro, we understand you want to find the best Restaurant Insurance possible. It needs to strike the right balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.
Typically, environmental liability, professional liability, and liquor liability aren’t covered by standard general liability insurance. As a restaurant owner, if you sell liquor, you’ll want to make sure you have liquor liability coverage in place as well.
Restaurants come in many different forms; here’s a few examples of those businesses who can benefit from purchasing restaurant insurance: Coffee shops, cafes, food delivery services, fast food outlets, diners, delis, lounges or taverns.
There are lots of things an insurer will look at when they provide you with a quote for your restaurant’s insurance; here are some of the most important factors they’ll review.
As you can appreciate, there are many moving parts to consider. We can help you crunch the numbers and get you the most competitive insurance quotes for your restaurant.
At Insurance Maestro, we want to help you find the best Restaurant Insurance for your company’s needs. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy.
At Insurance Maestro, we understand you want the best insurance for your restaurant, without having to speak an excessive amount of time getting quotes and trying to work out the right levels of insurance for your business. Our expert team of commercial insurance experts are here to support you, and we’re always happy to answer your questions, and do some of the leg work in terms of getting you the best prices and quotes for your restaurant’s insurance
We know you want to focus on running your business, and we’re here to make sure the process of buying insurance for your restaurant as easy as possible.
With so many options, where do you start?
Simple – start with your essential insurance, then take into action the add-ons, and consider which offer the most relevant value to your business. Some people have a tendency to over-insure to make sure every eventuality is covered; while others will under insure, and potentially miss out on those extras that could make a real difference to their business in the event a claim needed to be made. Whichever ‘bucket’ you fall into, speaking with our team can help give you that perfect element of balance.
We’ll make sure we understand the inner workings of your business; whether you are a deli, café, or a busy 150 cover restaurant; and we’ll only suggest the products and add-ons that make sense for your business.
Here’s a quick list of the different types of restaurant insurance you can buy.
General Liability Coverage
Essential to cover against any third-party claims of damage to property or person. In some cases, it will also cover advertising injury.
Commercial Property Coverage
Another essential – and if you lease a building, then it could form part of your contract. It covers the physical building, along with your equipment, inventory*, furnishings, signage, and more.
*As you’ll be keeping temperature-sensitive products and inventory on-site, you’ll need to look at coverage for spoilage too*
Business Interruption Insurance
If you’re buying the above two insurances in a business owner policy, you will usually get this coverage included as standard. It can give you a portion of any lost profits and potentially cover some of your staff’s lost wages after a covered event.
Workers Compensation Coverage
Again, another essential! This is state mandated in most places, and it can cover medical expenses for any employees who are injured at work or whom develop a work-related injury.
Other types of insurance that you can consider for your restaurant, include:
Here’s a list of most of the endorsements and riders you can buy for your restaurant’s business. Speak with a member of our team to find out which will and will not apply to your business.
Our team of friendly insurance experts will be happy to discuss your restaurant’s individual needs. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on growing your business, and taking care of your team and your customers.