Insurance for Restaurant Owners

We are your local food industry insurance experts

INSURANCE FOR FOOD SERVICE PROVIDERS

 

We have been providing Property and Casualty Insurance for the past 20 years to restaurants, taverns, and food/beverage vendors, distributors, and wholesalers. Our number one goal is building relationships with our clients and providing them with best-in-class protection while providing cost-effective solutions that help safeguard your operation.

 

Our flexible business insurance solutions meet today's risks and tomorrows' challenges. With our specialized knowledge in the food and beverage industry, we understand that you need a unique kind of protection.

 

 

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Restaurant Business Owner's Policy Hertvik

Business Owner's
Policy

Business Owner’s Policy -  If you own or rent a workspace, you likely need a business owner’s policy.

Most small businesses need general liability insurance and commercial property insurance when they rent or own an office or other commercial space. On top of that, client contracts often require general liability coverage.

Even when coverage isn’t required, a BOP is a wise choice for small businesses that work directly with the public and own property. This policy protects against financial losses from customer accidents and incidents like fires and burglaries.

A BOP is specifically designed for low-risk small businesses. If you qualify, your business saves money and gains coverage for the most common claims.

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Restaurant Worker's Compensation Hertvik

Worker's
Compensation

Workers’ Compensation -  Workers compensation covers injuries to your employees who are injured while in the course of their work. Workers compensation is mandatory everywhere except Texas and Oklahoma. We offer a number of unique advantages through our Early Return To Work (ERTW) and Strategic Case Management Units. These units proactively manage our workers compensation claims to help provide a seamless process for filing losses, communicating with your clients and getting injured employees back on the job.

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Restaurant Liquor Liability Insurance Hertvik

Liquor Liability
Insurance

Liquor Liability Insurance -

This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at your restaurant to a visibly intoxicated person who then proceeds to harm others.

Liquor liability insurance can provide protection in several scenarios, though not when underage drinking is involved. When a bar, restaurant, or other food service business is sued over an incident related to alcoholic beverage service, this policy can help cover your legal expenses, such as court costs or a settlement. It can help cover: accidental injury, property damage, assault and battery, or on-the-job drinking.

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Restaurant General Liability Hertvik

General
Liability

General Liability Insurance -  This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.

If a person walks into your restaurant and slips and falls or is hit by falling on some food left on the floor by your workers in the course of your business your Commercial General Liability (CGL) policy would kick in.

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Restaurant Food Delivery Hertvik

Food Delivery
(Hired & Non-Owned)

Food Delivery -  Business auto insurance protects any vehicles you use in the course of business. Your personal auto policy does not provide coverage for vehicles used by your business. Personal auto policies often contain business-related exclusions. If your employees use vehicles in the course of business uses vehicles you should purchase a separate business auto policy to cover your business in the event of an accident that occurs while an employee is driving.

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Restaurant Employee Theft Hertvik

Employee
Theft

Employee Theft - Crime and vandalism coverage would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

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Restaurant Property Insurance Hertvik

Property
Insurance

Property Insurance - A grease fire ignites in a flash and spreads quickly through your stove’s exhaust hood and flue duct. Restaurant property insurance can help when fire, vandalism, or other unforeseen disasters cause damage to your restaurant.

Property damage coverage would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.

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Business Income Hertvik

Business
Income

Business Income Coverage (BIC) - Business income coverage (BIC) form is a type of property insurance policy, which covers a company’s loss of income due to a slowdown or temporary suspension of normal operations, which stem from damage to its physical property. ... Usually, coverage applies during the time required to repair or replace damaged property.

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Restaurant Utility Services Hertvik

Utility
Services

Utility Interruption Coverage - Most restaurants require electricity, gas, water, and communications services to operate. An interruption of any of these can cause damage to your property. It may also force you to shut down your restaurant. You can protect your business by purchasing utility interruption coverage.

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Restaurant Employment Practice Liability EPLI Hertvik

Employment Practice
Liability (EPLI)

Employment Practices Liability Insurance (EPLI) - Employment practices liability insurance (EPLI) protects your small business when a worker sues over employment-related issues. This policy covers your legal costs when an employee or group of employees claim their civil rights were violated or they were unable to complete their work in a fair environment.

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Restaurant Cyber Liability Hertvik

Cyber
Liability

Cyber Liability -  Cyber liability insurance protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.

Cyber insurance coverage helps your business recover from financial losses caused by cyberattacks and data breaches. It can pay for credit monitoring, attorney’s fees, fines, and other costly expenses.

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Restaurant Umbrella Hertvik

Umbrella
Coverage

Commercial Umbrella Coverage - No matter the size of your business or how well it’s run, you face the potential of a devastating claim arising from an unforeseen event. For example, if a customer trips on the carpet and hits their head, sustaining serious brain injury, you could be potentially liable for millions of dollars in medical and other payments.

Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what’s not covered?

If your answer is no, that’s where commercial umbrella coverage comes in. Umbrella coverage goes above and beyond basic business liability insurance limits, offering up to $10 million of additional funds to manage situations just like this.

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At Hertvik Insurance, we recognize that every small business is unique. That is why we crafted a customizable suite of insurance products for food service providers. Contact us below for a quote for your business.

Andrew Ryan Hertvik Insurance Group Medina OH

Andrew Ryan

Regional Vice President

(330) 723-9320

CONTACT

Food Service Providers We Insure:

Restaurant Fine Dining Restaurants Insurance

FINE DINING RESTAURANTS

An injury or fire at your fine dining restaurant could have severe consequences. Small business insurance provides the protection you need to survive a mishap.

Restaurant Family-Style Insurance

FAMILY-STYLE RESTAURANTS

Without insurance, a minor incident could turn into a financial disaster. Policies designed for restaurant owners protect your small business from common risks. You can find coverage for food spoilage, kitchen fires, and other costly issues restaurants may face.

Restaurant Fast Casual Insurance

FAST CASUAL RESTAURANTS

Finding the right insurance will protect you from your fast-casual restaurant from unexpected expenses and incidents that could force your business to close.

Fast food Restaurant Insurance

FAST FOOD RESTAURANTS

Whether you're an independent business owner or a franchise, small business insurance gives your fast food restaurant financial protection from theft, fire, injuries, and lawsuits.

Pizza and Sanswich Shop Restaurant Insurance

PIZZA & SANDWICH SHOPS

Your setup may be small, but small shops face many of the same liabilities as a full-scale restaurant. Without appropriate protection, even a minor mishap could devastate your business.

Restaurant Catering Insurance

CATERERS

As a caterer, you're always on the move. That means increased risk for your business property - plus your catering vehicle needs protection too. With the appropriate policies, you'll gain protection against incidents anywhere you go.

Coffee Shop and Cafe Restaurant Insurance

COFFEE SHOPS & CAFES

Protect your business from customer-injury lawsuits and unexpected expenses related to fire, theft, and property damage with insurance for your coffee shop or cafe.

Gastropubs and Breweries Restaurant Insurance

GASTROPUBS & BREWERIES

We are proud to offer a custom-tailored craft brewery insurance program. Our program offers some unique coverages designed with craft breweries in mind.

Sports Bars and Taverns Restaurant Insurance

SPORTS BARS & TAVERNS

Serving drinks is risky. At your bar, you could be held liable for the actions of an intoxicated customer. That's why liquor liability insurance is such an important investment, alongside basic protection like workers' compensation.

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NOTICE: Our offices will be closed on December 24 and December 25. We’ll be back to assist you on December 26.