From Fine Dining to Fast Food we’ve insured restaurants since 1958. We have special programs for new ventures and established restaurants with over 25 insurance carriers to offer we give you the power of choice!
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Restaurant & Bar Insurance Products Custom to Your Company
At Insurance Incorporated, we offer general and specialized restaurant liability insurance that can address your unique risk exposure, including:
- General Liability Coverage
- Liquor Liability Coverage
- Workers Compensation Insurance
- Food Contamination Insurance
- Business Personal Property
- Excess Umbrella Liability
- Employment Practices Liability Insurance
- Equipment Insurance
- Spoilage Insurance
- Health Insurance
- Assault & Battery
General liability insurance is one of the most basic coverage options a restaurant can have. It’s usually required by the landlord and any companies the restaurant has an outstanding contract with. Most liability policies come with options like Medical Payments and Products & Completed Operations coverage. If someone is hurt at your property or by your product than your company would be liable for damage and bodily injury. Restaurant and Bar liability claims can be anywhere from $100,000 to more than $1,000,000 in legal fees and settlement costs.
Most restaurants have anywhere from 1 to 100 employees. California law requires any Restaurant or Bar with 1 or more employees to have an in-force workers compensation insurance policy. Other states may have similar laws in place. These policies are used to reimburse and provide coverage for medical payments or loss of income if an employee is injured while in the course of employment. Companies without workers compensation insurance are usually fined and still held responsible for the cost of workplace injuries and illnesses.
Employment Practices Liability Insurance has become an important part of a Restaurants insurance program. This important coverage protects the restaurant from lawsuits for Wrongful Termination, Sexual Harassment, Discrimination, Retaliation and some provide Wage and Hour Defense from its own employees and/or a third party. Many restaurant owners mistakenly believe this is covered by their General Liability or Workers Compensation insurance and unfortunately, it is not!
Having the right insurance agent is critical in assuring you are properly protected. Look to the leader in Restaurant & Bar insurance with Insurance Incorporated!
Contact us to learn more about our restaurant insurance coverage today! Call 877-428-8778 for a free no obligation quote.