As a restaurant owner, your business faces unique risks every day, from liability claims to property damage. That's why T.A. Swain Insurance Agency offers restaurant insurance to help protect your investment and keep your business running smoothly. Also known as food service insurance, restaurant insurance coverage is designed to protect restaurant owners and operators from a range of risks and liabilities associated with their business operations. Our coverage options include everything from workers' compensation to food spoilage coverage.
Protects against third-party bodily injury and property damage claims that may occur on your restaurant's property or as a result of your business operations.
Protects your physical restaurant property, including the building, equipment, and inventory, against damage or loss from events like fires, storms, or theft.
Helps cover lost income and extra expenses if your restaurant has to temporarily shut down due to a covered loss.
Protects your restaurant from claims related to serving alcohol, such as fights, car accidents, or alcohol-related injuries.
Protects against cyber risks such as data breaches, hacking, or theft of customer information.
Helps cover the cost of spoiled or contaminated food due to equipment failure or power outages.
Provides coverage for vehicles used for business purposes, including restaurant delivery vehicles. This coverage can help protect restaurant owners from financial losses resulting from accidents, theft, or other types of damage to their vehicles.
The cost of restaurant insurance will depend on several factors, including the size and location of the restaurant, the type of coverage needed, and the restaurant's claims history. Restaurant owners should work with a licensed insurance agent to evaluate their risks and find the policies that best meet their needs.