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
