Restaurant Insurance

At Preferred Insurance, we understand that restaurant owners face many challenges and a wide range of risks on a daily basis. Proper restaurant insurance can help protect the business from not just general liability and property damage claims, but from industry-specific risks such as equipment breakdown, employee and customer injuries that occur on site, valuable papers coverage, and loss of income coverage.

Let our experienced team help you to identify your restaurant’s risks, look at the impact those risks may have, and provide the best insurance solutions to cover you. We have extensive coverage options that can be tailored to fit your needs.

Coverages to consider:

  • Accounts receivable
  • Building
  • Business personal property
  • Crime
  • Employment practices liability
  • Exterior signs, lights and clocks
  • General liability
  • Income protection from off premises utility failure
  • Liquor liability
  • Mechanical or electrical failure of cooking equipment
  • Personal property of others in your care
  • Spoilage
  • Tenant legal liability
  • Theft of customer credit card data
  • Workers’ compensation
  • Umbrella limits over liquor liability of up to $10 million

Understanding Restaurant Insurance Risks

Restaurant owners are focused on many parts of their business. But while you worry about your menus, your equipment, and your staffing, Preferred Insurance is looking out for your risks—both big and small. As your business evolves, it is essential that your insurance does as well.

At Preferred Insurance, we excel in helping you manage your risk regardless of the size of your business. Some of these services include:

  • Benchmark Analysis
  • Catastrophe Modeling
  • Claims Advocacy
  • Contract Review
  • Deficiency Gap Analysis
  • Loss Forecasting
  • Manuscript Endorsements
  • Service Calendar

Learn more

  • Drunk Driving Lawsuit against Bars Highlights Liquor Liability Exposures A tragic accident highlights why liquor liability is such a high-priority concern for alcohol-selling establishments. According to a report by WYFF News 4, in South Carolina, a drunk-driving crash killed three people. The mother whose 17-year-old daughter died in the collision is suing… Download the attached PDF to read more.
  • Playing It Safe: Get Educated with Alcohol Server Training Alcohol server training is a form of industry-specific education designed for servers, sellers and consumers of alcohol to prevent intoxication, drunken driving and underage drinking. The amount of server training you must have in order to legally serve alcohol varies according to the state and locality. Courses are taught by a variety of educational providers, ...
  • Preparing For Restaurant Health Inspections Ensuring that your restaurant is clean and serves fresh, safe food to patrons is your greatest responsibility; health inspections are a way for you to learn how to best uphold this responsibility. To observe you when you are running operations as you normally would, inspectors often make impromptu inspections. Many inspections are performed during the frenzy ...

What Our Customers Say…

Jenkins Restorations

Jenkins Services and Restoration specializes in the renovation and repair of properties damaged by wind, water, fire, storms, vandalism, or burglary.  As CFO and Vice President of Finance, I am always looking for the best opportunity for Jenkins. Preferred Insurance excels at finding us great coverage at the best market rates. Preferred Insurance is very proactive and their services are designed to assist us whenever our needs arise. They stay in constant contact when we need it. I could not be happier with Preferred Insurance.

Brian BastisCFO and Vice President of FinanceJenkins Services and Restoration