Restaurant Insurance

Looking for Restaurant Insurance in Michigan?

Owning your own business can be a daunting task. Between the schedule managing, staff coming down with the mysterious sickness of the quarter, and especially unhappy clients.

We sadly can’t resolve the issues listed above but we can resolve an issue you might not even have thought of yet.

Liability Coverage for your restaurant

Picture this, you have a client who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy. Not only does your client suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit.

See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected for the “what if”.

Restaurant Liability policy components

There are multiple “components” that make up a solid Restaurant Insurance policy. Different companies may offer these as a “bundle” while with others they are a’ la carte.

General Liability Insurance

This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.

Loss of Income Insurance

What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your clients which in turn means no income coming in.

This is where Loss of Income Insurance is imperative. Essentially, this coverage would allow you to have a “back up” plan in the event you were unable to generate an income due to a covered loss.

Property Damage

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on property it is important to check with your independent insurance agent.

Crime and Vandalism Coverage

This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

Here are a few examples of clients we work with and make sure their business are protected:

  • Local Restaurants
  • Food Trucks
  • Catering Companies
  • Food Delivery Restaurants
  • Ice Cream Trucks
  • Bars

The list can go on and on.

So how do you know if a restaurant liability policy is a good fit for your business? We always would recommend you calling a local independent insurance agent like us, and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.

How to get started

The process of getting a Restaurant Insurance proposal is simple. You can either fill out the fields below, call us directly, or click over to our Proposals page to give us a little more information about your situation and needs.

Either way, we’ll make the process easy!