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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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.
Common questions.
What does restaurant crime insurance cover?
Isn't employee theft covered by my property policy?
Does my restaurant need crime coverage?
Is this coverage right on your policy?
Tell us how your restaurant operates and we will check this coverage against the way you actually run. Educational, no obligation.
Protect the cash, tips, and deposits.
Tell us how money moves through your restaurant and we will size crime coverage to it.