Insurance for diners and family restaurants.

Volume and premises

High-traffic breakfast and lunch service means steady premises exposure, slips, spills, hot surfaces, and a busy kitchen. General liability and workers compensation form the base, and accurate class codes keep workers comp priced right.

Kitchen and equipment

A diner kitchen runs continuously, with griddles, fryers, and refrigeration that face fire and breakdown exposure. Property, equipment breakdown, and business income protect the operation and the revenue if a loss forces a closure.

Alcohol where it applies

Many family restaurants add beer, wine, or a brunch cocktail program, which brings liquor liability into the picture. Where alcohol is served, we make sure it is covered, since general liability generally excludes it.