Insurance built around how your restaurant operates.

The claim is rarely the surprise. The gap is.

A slip in the dining room, a kitchen fire, a refrigeration failure that spoils inventory, a delivery driver's accident, an over-served guest, a POS outage on a Friday night. The damage usually comes from a coverage gap nobody flagged: liquor liability that was excluded, delivery the policy did not contemplate, a business income limit that ran out before you reopened. We build the program so the surprise does not happen.

The coverages a restaurant actually needs.

Liquor rules and workers comp change at the state line.

Dram-shop liability and workers comp vary a lot by state. Pick yours for a plain-language overview with the official sources to verify it.

We speak menu, lease, and liquor license.

Independent means your interests come first. We translate how your restaurant actually operates into coverage that fits, and we are there when a claim, an audit, or a certificate request happens.