Content
Restaurants bring people together to share food, community and connection.
While the restaurant industry is thriving, it can be turbulent and face unique challenges. At Collings Insurance, we provide customized industry-standard policies to meet the needs of any food and beverage provider.
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How Restaurant insurance can protect you.
Restaurant Insurance allows you to focus on great food and service, knowing your business is protected.
From kitchen fire to slip-and-falls, restaurant insurance covers the unexpected. Whether it’s a busy coffee shop or full-service fine dining, we can build a policy tailored to your business’s needs.
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Coverage for what’s important to you
Restaurant Insurance protects business owners against the financial setbacks of:
Property damage
Business interruption
Equipment breakdown
Bodily injury claims
Property damage claims
Liquor liability claims
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers bodily injury or property damage on the premise where you may be found liable.
Helps replace lost income if your business is forced to shut down temporarily due to an insured event.
Protects your business if a customer causes harm or damage after being served alcohol on your premises.
Frequently Asked Questions
No, unfortunately not. Insurance only covers sudden and accidental losses, not gradual damage. Wear and tear, rust, or mechanical breakdown from lack of maintenance are considered part of regular business upkeep. To stay protected, keep up with inspections and consider adding equipment breakdown coverage for unexpected failures.
Non-owned auto coverage protects your business if an employee uses their personal vehicle for work, such as for deliveries or errands. It’s often excluded because it creates extra risk for insurers, especially if delivery isn’t a core part of your business. If staff ever use their own vehicles for work, be sure to contact your broker about acquiring this coverage.
Grease buildup in kitchen hoods and ducts is a leading cause of restaurant fires. Regular cleaning – usually every 6 months – is often required by insurers (and local fire codes) to reduce fire risk and keep your coverage valid. You may be asked to provide a copy of the invoice showing these have been maintained at renewal time. Skipping this important procedure can lead to denied claims.