Insurance for restaurants
Food service combines slip-and-fall liability, kitchen fire risk, spoilage, liquor exposure and delivery drivers. We place all of it with carriers that write restaurants every day.
Coverages we typically include
- General liability
- Liquor liability
- Property with spoilage and equipment breakdown
- Business income
- Workers' compensation
- Commercial auto and hired/non-owned auto for delivery
What to expect
We ask about your hood suppression, your alcohol sales as a share of revenue and your delivery setup, because those three items drive most of the price.
Common questions
Do I need liquor liability?
If you sell or serve alcohol in Illinois, yes. The Illinois Dram Shop Act can make an establishment liable for injuries caused by a patron it served, and general liability excludes it.
Do you cover food trucks?
Yes. A food truck program combines commercial auto, general liability and equipment coverage in one package.
Get a second look at your coverage.
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