Restaurant and Food Business Insurance
Tailored Insurance Solutions for All Food Businesses
One of the most important things to understand about food business insurance is that not all organizations are created equally. The types of risks that a bakery is exposed to aren't quite the same as a brewpub or café. If you're running a restaurant that exclusively offers carryout, your potential hurdles are different than a business that is more of a table service restaurant.
That's why at BIS Benefits, our insurance brokers work hard to understand not only your unique needs and concerns. We can come up with a tailored insurance solution that provides the right coverage for your food business.
Who Needs Restaurant Insurance?
Any restaurant, coffee shop, or other food service business that produces items that are intended for public consumption, and that deals with consumers on a regular basis can benefit from the type of financial protection that restaurant insurance has to offer.
Food business insurance helps make sure that one slip and fall won't end everything you've worked so hard to build. It guarantees that foot spoilage that is the result of a faulty refrigerator won't lead to the type of devastating litigation that many small businesses cannot recover from. More than anything else, it offers the peace of mind that only comes with knowing that you're protected, no matter what.
View Our Other Business Insurance Offerings
Key Coverage Options for Food & Restaurant Business Insurance
This type of policy combines business property, general liability, business income, and equipment coverage.
This is a specific type of policy, often legally mandated, that is intended to protect employees if they become injured or fall ill while on the job.
This helps protect restaurant owners from the kinds of risks they are likely to encounter during daily business operations.
Businesses that have vehicles used for work purposes, such as food delivery vehicles, need commercial auto insurance coverage.
Any business, including those in the restaurant industry, can be at risk of financial loss or reputational damage from a cyber attack. A cyber insurance policy can provide protection from these incidents.
This coverage helps protect your building from property damage as well as equipment and other items inside from potential problems like fires, sewer backups, and natural disasters.
This type of insurance adds an extra layer of protection that is intended to help you defend against legal costs from particularly large liability losses. One example of this would be if a customer was experienced serious bodily injury at a restaurant.
Is this the Type of Coverage You Need?
BIS Benefits: Your Trusted Partner
If you'd like to find out more information about the benefits of food business insurance, or if you'd just like to speak to someone about your business'
employee benefits or insurance-related needs in a bit more detail, please
contact the team at BIS Benefits today. We offer a wide range of different
business insurance options for you to choose from.
Three Reasons To Choose BIS
Hands-On Team
Personalized Insight, Cutting-Edge Technology, and Professional Coverage Expertise
We Shop, You Save
Knowledgeable in All the Markets, Representing All Major Carriers
Excellent Customer Service
Five-Star Rated, Quick Reponse Times, BBB Credited
Our Carriers
We work with all the top-rated carriers in Georgia, including
Selective,
Hanover,
Travelers,
Hartford,
Nationwide,
Chubb,
Liberty Mutual, and more.
Where We Work
BIS works with companies in several cities in the state of Georgia, including:
FAQs
Do food businesses that rent their spaces need commercial property insurance?
Yes. While many landlords have their own insurance, these policies are often not comprehensive and do not cover all potential risks that the business might face. Restaurant owners should talk to an insurance agent to understand their coverage needs.
Do restaurants need liquor liability insurance?
While it is only explicitly required in some parts of the United States, liquor liability insurance is recommended for all businesses that sell or serve alcohol.
Are there specialized types of insurance for restaurants?
In addition to more general types of commercial insurance like product liability and property coverage, food businesses can also pursue liquor liability insurance, food spoilage and contamination coverage, food vendor insurance, and inland marine insurance.
Interested in our benefits?
Contact Us for an Insurance Quote
Business Insurance, Workers' Compensation, and Employee Benefits? We're here to help! Our friendly team has years of experience in the insurance business and is ready to f put together a custom quote for your exact requirements. Contact us today to learn more about our commercial insurance products!
