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Restaurant Program


Restaurant Insurance: Protecting Your Culinary Dreams
You’re passionate about crafting extraordinary dining experiences. We’re passionate about ensuring your culinary venture is shielded from the unexpected. At Preferred Insurance, we understand the unique challenges of the restaurant industry, and we’re here to be your trusted partner in securing the coverage you need.

Navigating the Insurance Maze, Together
Finding the right insurance coverage shouldn’t be a maze of confusion. With our guidance, you can navigate through the complex world of insurance options. We specialize in tailoring solutions to fit the specific needs of your restaurant, safeguarding you against the diverse risks and exposures in today’s dynamic business landscape.

Serving the Culinary Community
Our reputation as a premier insurance agency is backed by our partnerships with more than 600 restaurants in the DC metro area. Whether you’re a cozy bistro, bustling bar, or fine-dining gem, we have the expertise to cater to your insurance requirements. Our clientele ranges from individual restaurant owners to thriving restaurant groups, showcasing our commitment to serving the entire culinary spectrum.

Erie Insurance: Unmatched Protection and Service
As one of the top Erie Insurance agencies nationwide and the largest in Virginia, we bring you exclusive access to Erie’s unparalleled coverage. Since 1925, Erie has stood as a beacon of reliability, providing both the protection you need and the service you deserve, all at a competitive price. With an AM Best A+ rating, Erie stands as a symbol of trustworthiness in the insurance industry.

Why Erie Reigns Supreme in Restaurant Protection

  • Extended Business Interruption Coverage: Unlike most carriers that offer 12 months, Erie provides you with 24 months of business interruption coverage at Actual Loss Sustained.
  • Elevated Indemnity Period: Experience the assurance of 360 days of an increased period of indemnity, surpassing the 90-day cap of other carriers.
  • Swift Off-Premises Utility Service Failure Coverage: Erie eliminates time-based deductibles, ensuring immediate compensation for income loss due to utility failures. Others may impose a 12–72-hour waiting period.
  • Comprehensive Employment Practices Liability: Enjoy the safeguard of both 1st and 3rd party coverage, including Wage And Hour Defense Costs—an advantage offered only by select carriers.
  • Inclusive Cyber Coverage: Protect your restaurant’s digital presence with Erie’s comprehensive cyber coverage.

Your Claims, Our Responsibility
We proactively manage claims exceeding $15,000 in reserves. Our dedicated team regularly updates you on claim statuses every 45–60 days. With Preferred, your claims are under control, leaving you with the peace of mind to focus on what you do best.

Expertise That Serves You
The Preferred Insurance team is recognized for delivering unmatched service and expertise to the restaurant industry. Our proficiency spans all facets of business, from property and casualty to benefits, personal lines, and life products.

Let’s Talk Protection
Harness the risk management strategies that set Preferred Insurance apart. Reach out to us today to discuss how we can tailor your insurance to fortify your culinary journey.


Preferred Insurance offers free, comparative quotes on Restaurant Program from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.