Serve Your Patrons As We Serve You
Restaurant Insurance
The restaurant business is one of the toughest to manage, so there’s no time for any problems such as lawsuits, revenue losses or property damage. Fletcher Insurance Group looks to protect your restaurant business so you can stay focused on what you do best.
Contact us today to find out how we can help.
Elements of Restaurant Insurance
General Liability Insurance
General liability insurance helps your restaurant cover medical payments, attorney costs and damages you may be legally responsible for on the premises.
Worker's Compensation Insurance
Worker’s comp is a mandatory coverage needed by your business to cover medical bills and lost wages for employees who experience injury or sickness on the job.
Commercial Property Insurance
Commercial property insurance will typically cover your restaurant in the events of loss due to theft, fire or explosion, damage made by vehicles and aircraft and vandalism.
Valuable Papers Insurance
Valuable papers coverage will reimburse you for the cost of replacing or restoring lost information records, such as new architectural designs papers for your restaurant.
Loss of Business Income Insurance
This type of policy will replace lost net income for your restaurant in the case of being forced to close temporarily, and it also pays for continuing business expenses along with relocation expenses if you move to a temporary site.
Who Should Have Restaurant Insurance
Any restaurant or food-type business would benefit from restaurant insurance coverage. The following are examples of restaurant types Fletcher Insurance Group covers:
Depending on your restaurant type, nature of business and the state you’re in, you may need specialized protection in accordance with the laws in your area.
A Business-Owner’s Policy may be the best place to start, though, as it packages essential insurance coverage such as general liability, property, loss of income and more.