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Restaurants / Food Service

Insurance for Restaurants/Food Service in New Hampshire, Maine, and Massachusetts

Have you ever thought about what would happen if you have a grease fire? If someone gets scalded from hot food? If you are in the food services industry, there many things that could shut down your business. So, to protect yourself, there are several base policies that you should consider. For starters, business property insurance can cover the physical building and everything inside. General Liability insurance provides coverage if your business is at fault for injuries to others and their property. Workers’ compensation insurance is required in nearly all states if you have employees. That said, restaurants – especially businesses serving alcohol, making deliveries, or offering valet parking – have unique risks. So whether you are a sit-down restaurant, take out or fast-casual, your business needs to be protected. We regularly work with foodservice companies to help insure them against the things that are most likely to happen, at a reasonable price.

What are the insurance policies we recommend for Restaurants and Food Service Comapnies?

Business Owner’s Policy (BOP)

Worker’s Compensation

General Liability

Commercial Auto

Property Insurance

Employment Practices Liability (EPLI)

Commercial Umbrella

Cyber Liability

*In addition to these policies, we also recommend Liquor Liability, Contamination Insurance, Spoilage Insurance, and Crime coverage. To learn more about these types of coverages, give our agency a call today. 

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