Insurance built for full-service restaurants.
Full-service restaurants carry the whole stack of restaurant risk at once: a dining room full of guests, a working kitchen, often a bar, and a payroll of servers and cooks. We build coverage around all of it.
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The exposures that come with table service
A seated dining room means premises liability from slips, spills, and guest injuries, while the kitchen adds fire, equipment, and burn exposure. Add a bar and liquor liability enters the picture. A full-service program has to cover the front of house, the back of house, and the bar as one operation.
Property, equipment, and income
Your buildout, kitchen equipment, refrigeration, and tenant improvements are often your largest insured values, and a fire or equipment breakdown can stop revenue cold. Property, equipment breakdown, spoilage, and business income coverage work together so a shutdown does not become a closure.
Staff and the documents your landlord wants
Servers, cooks, and bartenders mean workers compensation and the wage-and-injury exposure that comes with a busy kitchen. Leases and vendors also tend to require certificates, additional insured status, and specific limits, which we line up with your policy.
Common questions.
What insurance does a full-service restaurant need?
Do I need liquor liability if I have a bar?
Does my policy cover a kitchen fire shutdown?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage built around your dining room, kitchen, and bar.
Tell us how your restaurant runs and we will build a program that fits the whole operation.