Restaurant Insurance

Property insurance covers the business's physical assets like kitchen equipment, stock, inventory, furniture, and other property that the restaurant owns from fire, explosion, theft, burst pipes, and other covered events in your policy. In the event of a covered loss, the insurance company will reimburse you for the costs to replace and/or repair your damaged property.

General liability provides essential coverage against lawsuits and claims of negligence issues brought against your business due to a customer or vendor injuring themselves on the restaurant’s premises. General liability can also cover lawsuits against you for foodborne illnesses, advertising injuries, and third-party property damage.

Liquor liability is mandatory in Massachusetts in order to obtain a liquor license. Massachusetts law requires that any establishment with a liquor license that sells alcoholic beverages must maintain liquor liability insurance. A restaurant may be held responsible if an intoxicated customer goes on to damage property, cause an accident, or injure another person. Liquor Liability covers the costs of lawsuits arising from situations such as these.

Reimburses your business for lost income if your restaurant has to close down or suspend operations due to sustaining a covered direct physical property loss.

Cyber liability covers your business from a lawsuit or claim related to a data breach involving sensitive customer or business information, such as credit card numbers, account numbers, social security numbers, driver's license numbers, and health records.

Employment practices liability covers employers against claims made by employees alleging discrimination, wrongful termination, harassment, or failure to promote.

Food spoilage reimburses your perishable stock and inventory in the event of loss due to a power outage or refrigerator or freezer breakdown.

Equipment breakdown covers your equipment such as refrigeration devices, heating and cooling systems, computers and telephone equipment, and POS systems from sudden and accidental breakdown.

Backup of sewers & drains covers damage to your property due to a sewer or drain overflow/ backup.

Commercial automobile liability protects your business from the legal and repair costs that can result from a car accident.

Commercial umbrella liability provides your business with an extra layer of liability protection to help cover costs that may exceed your other liability coverage limits.

Workers' compensation protects your employees from the costs of workplace-related injuries or illnesses. Workers’ comp can help cover your employee’s lost wages, and medical expenses if they are injured during the course of employment. In the event of a lawsuit against the employer by the injured employee, it can cover legal defense costs and any damages the employer may owe to the employee.