What does restaurant crime insurance cover?

Losses from employee theft, robbery, burglary, and forgery, including cash, deposits, tips, and gift-card fraud, which property and general liability generally do not cover.

Isn't employee theft covered by my property policy?

Generally not. Employee dishonesty is a separate crime coverage. Given that most restaurant theft is internal, it fills a real gap.

Does my restaurant need crime coverage?

Cash-intensive and multi-location operations benefit most. We size it to how money moves through your business.

Restaurant Crime & Employee Dishonesty

Restaurant crime and employee dishonesty insurance.

Restaurants handle a lot of cash, tips, deposits, and gift cards, and most theft losses come from inside, not a break-in. Crime and employee dishonesty coverage addresses that exposure.

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Crime and employee dishonesty insurance covers losses from theft by employees, as well as robbery, burglary, and forgery, including cash, deposits, tips, and gift-card fraud. It fills a gap that property and general liability generally leave open.

Where restaurant losses come from

Restaurants are cash-intensive and run on a large, often transient staff, and the most common theft loss is internal, skimming, register manipulation, fraudulent voids, payroll and deposit theft, not a break-in. Standard property coverage generally does not address employee dishonesty.

What crime coverage includes

Crime coverage can include employee dishonesty, loss of money and securities inside and outside the premises, robbery and burglary, and forgery. For restaurants with gift cards, online payments, and multiple shifts, the exposure is broader than owners often assume.

Who needs it most

Higher-volume operations, multi-location groups, and businesses with significant cash handling or gift-card programs benefit most. We help size the coverage to how money actually moves through your restaurant.

Restaurant crime and employee dishonesty insurance.

Where restaurant losses come from

What crime coverage includes

Who needs it most

Common questions.

Is this coverage right on your policy?

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