Restaurant Insurance

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Insurance for Restaurants

Available in all 50 states!

Your patrons have a choice where they take their business.  So do you.  We want your restaurant to thrive.  As an independent insurance agency, we provide an entire menu of restaurant insurance companies.  We shop your policies with them and present options that suit your tastes.  Grow your business by leveraging all the additional tools and resources we offer our clients.

Restaurant Insurance

Key Features

What makes us different

  • Full Menu: Use our buying power to your advantage. Our menu is packed with insurance companies that specialize in restaurant insurance, and we know the strengths of each. We negotiate discounted rates on your behalf.
  • Dedicated Account Management: We provide expertise with prompt, courteous service. Each of our clients is assigned a personal agent and provided their email address and a phone number that rings on their desk. Your service is their top priority. We do not operate a call center.
  • Specialized Claims Unit: Bankers Insurance is your claims advocate with the insurance carriers. We staff claims agents who guide you through the entire process should the unfortunate occur.
  • Predictive Modeling and Analysis: We understand what our restaurant insurance companies desire and will present your company in its best light.
  • Risk Review: We can provide a thorough risk analysis and identify solutions so that you are not caught unaware by a future claim.
  • Specialized Coverages: Protect your business from seasonal increase in lost income should your location be impacted by a claim. Guard against exposure to cyber liability due to leaked or stolen vendor, employee, or client information. We provide solutions for your restaurant risk concerns.
  • Workers Compensation Experience Modification Review: Many businesses overpay for workers compensation insurance due to experience modification computation errors. We will analyze your claims and ensure all is in order.

Business Operations

All restaurants are acceptable, including

  • Family style
  • Fine dining
  • Fast casual
  • Fast food
  • Take-out / Carry-out
  • Cafes
  • Catering
  • Pubs & Bars
  • Bistros
  • Pop-up
  • Food trucks

We Offer

Our restaurant insurance coverages

  • Property (buildings, contents, business income, extra expense)
  • General Liability
  • Employee Dishonesty
  • Outdoor Signs and Property
  • Equipment Breakdown
  • Spoilage
  • Liquor Liability
  • Employment Practices Liability Insurance
  • Workers Compensation
  • Commercial Auto
  • Directors and Officers
  • all Others

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At Bankers Insurance, the client is always in control.

Only serve the best.

Operating a restaurant is one of the most challenging business ventures. Competition is fierce and the tastes of patrons can change. A meal successfully delivered is the result of many moving parts: staffing, training, scheduling, inventory, maintenance – more than we could list. Yet, through your efforts, your clientele are none the wiser. In the same way, Bankers delivers restaurant insurance packages to your table, made to order.

We understand the difficulties of this industry. We know how hard you work to keep all those parts moving, all the while avoiding claims from kitchen fires, client slip and falls, employee injuries – or even food poisoning.  Not only can we supply protection in case the unfortunate occurs, we provide many other tools and services to help your business run smoothly. You deliver appetizing meals – let us present your perfect restaurant insurance package.

Restaurant Insurance Quote

Restaurant Insurance Quote

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Multi-Carrier Quotes

To offer coverage and pricing options, we will contact you when additional questions arise.

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Quote, Restaurants
What kind of restaurant do you operate? Any other business operations such as catering, weddings, etc.?
Location / Address
Main or HQ if multiple locations.
beer, wine, and liquor
Check all that apply
Terms of Use

Business Insurance Full Applicationopens PDF file

Restaurant Insurance Highlights

restaurant property insurance

Whether you own or lease your location, you restaurant insurance can include coverage for:

  • Building(s).  This can include outbuildings, coolers, and offsite storage
  • Business Income with Extra Expense, available on actual loss sustained basis
    • Just because your restaurant is shut down due to a loss doesn’t mean your bills stop coming.  Business Income coverage bridges the gap.  This coverage can include extra expenses as well, to cover costs such as rental of replacement equipment or temporary storage – items over and above normal operating expenses.
    • reference our business incomeopens EXCEL file calculator, an MS Excel spreadsheet
  • Contents
  • Inventory and stock
  • Spoilage, in the event of power failure or system breakdown
  • Accidental discharge of fire protection system
  • Personal property of clients, including theft
  • Employee dishonesty, including pension plan (ERISA) compliance
  • Money and securities, including that of your clients
  • Wine collections
  • Computer systems, software, and the expense of data restoration
  • Equipment breakdown (electrical, mechanical)
  • Flood
restaurant liability insurance

All liability coverages available in our restaurant insurance packages:

  • General Liability
  • Products Liability
  • Fire Damage Legal Liability, should you be found liable for damaging your landlord’s property
  • Umbrella Liability
  • Liquor Liability
  • Employment Practices Liability Insurance (wrongful termination, discrimination, sexual harassment, etc.)
  • Cyber Liability and Data Breach
  • Employee Benefits Liability
  • Medical payments
  • Directors and Officers Liability
restaurant workers compensation insurance

We offer many workers compensation solutions for restaurants. One size does not fit all, so the optimum answer depends on your individual business. Let us advise you of your options and which best suits your needs.

Workers compensation is a critical part of restaurant insurance that protects your employees should they sustain a work-related injury. The restaurant industry has it’s share of hazards, from burns and cuts in the kitchen to back injuries while moving stock. Workers compensation is an important part of a total protection package. Read more on how Bankers Insurance can help control your workers compensation costs.

We can offer

  • Traditional, guaranteed cost workers compensation policies
  • High deductible programs
  • Risk-retention groups
  • Retrospective rating plans (retro plans)
  • Self-insured plans
  • Captives
  • Experience modification reviews
  • Restaurant employee safety programs

Other Restaurant Insurance Coverages and Options

restaurant insurance other coverages

Other optional coverages that can be included in your restaurant insurance solution:

  • Liquor Liability
  • Cyber Liability / Data Breach
    • Not only does this protect your restaurant for liability associated with leaked credit card information, but a host of other risks.  Chances are your business stores personal information (paper or electronic) on employees, suppliers, and patrons.  Media liability for advertising and website content is also available.
  • Computer fraud
  • Identity theft
  • Back-up of sewers and drains
  • Commercial Auto:
    • Delivery vehicles
    • Protection for liability associated with employee vehicles, driven on behalf of the business
  • Outdoor signs
  • Ordinance or law, to cover increased construction/demolition costs
  • Crisis Response
  • Flood and earthquake
  • Key employee
  • Management liability packages
    • Directors and Officers Liaiblity
    • Employment Practices Liability Insurance
    • Employeee Benefits Liability

Services for Restaurants

What does it take for your restaurant to succeed?  How can we help you?  Not only do we shop your restaurant insurance and provide tailored restaurant insurance quotes, but we supply our clients with many other value-added client services to help their business thrive.

The below are some of the services provided by Bankers Insurance and/or the insurance carrier:

  • Workers compensation cost strategies and planning
  • Workers compensation experience modification reviews
  • Industry best practices analysis
  • Contractual liability consultation
  • Driver safety programs
  • Risk analysis and exposure reduction strategies
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment, benchmarking, and guidance
    • Sprinkler system inspections
    • Thermographic infrared inspections
    • Employee safety manuals
  • Documented safety manuals and procedures
  • Building Valuations
  • Employee background screening
  • Emergency evacuation training
  • Employee manuals tailored to your restaurant’s needs

Further Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be restaurant insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of:

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