Restaurant Insurance from Massachusetts Specialists

Roger Keith & Sons

What is Restaurant Insurance?

Restaurants require significant financial and time investments to operate, and those investments ought to be protected if possible. Purchasing restaurant insurance is one way that restaurant owners and managers in Massachusetts can protect their businesses.

Restaurant insurance is specialized commercial insurance for dining establishments. So they can offer protection against multiple risks, most restaurant policies are package policies and have multiple coverages in them.

What Businesses in Massachusetts Should Carry Restaurant Policies?

Most traditional dining establishments in Massachusetts should consider getting a restaurant policy. This tends to be the most appropriate type of insurance for these businesses, and not insuring an establishment can lead to major losses if there’s a major incident.

Some other food service businesses might need coverages similar to those that restaurants get, but these other businesses may need a slightly different type of policy. For example, food trucks normally are better served by food truck insurance. Likewise, taverns probably should have tavern insurance. Other policies are available for other businesses in food service.

What Restaurant Property Insurance Coverages Do Restaurant Policies Offer?

Restaurant property insurance coverages generally protect assets that a restaurant owns, which may include buildings, fixtures, equipment or other items. Some property coverages to consider are:

• Commercial Building Coverage, which might cover a restaurant’s owned buildings
• Commercial Contents Coverage, which might cover a restaurant’s fixtures and equipment
• Tenants Betterment Coverage, which might cover a restaurant’s improvements to leased space
• Food Contamination Coverage, which might cover ingredients and prepared foods

What Restaurant Liability Insurance Coverages Do Restaurant Policies Offer?

Restaurant liability insurance coverages normally protect restaurants in certain situations where they might be held financially responsible for an incident. Some common liability coverages include:

• General Liability Coverage, which might cover commonplace accidents occurring at a restaurant
• Liquor Liability Coverage, which might cover incidents involving drunk patrons
• Product Liability Coverage, which might cover illnesses caused by contaminated or spoiled food
• Umbrella Liability Coverage, which might provide supplemental restaurant liability insurance

Can Establishments Get Commercial Auto Insurance Through Restaurant Policies?

Restaurants that have vehicles for deliveries, catering or events usually need some form of commercial auto insurance. There are a couple of different commercial auto insurance policies that might be applicable.

Traditional commercial auto coverage generally provides both protection for vehicle damage and liability protection for car accidents. The coverage is most often purchased when a restaurant owns vehicles.

Hired and non-owned auto coverage generally provides a restaurant with liability protection for accidents. Coverage for vehicle damage tends to be excluded. The coverage is most often used for employee vehicles that get driven for deliveries.

How Much Are Premiums for Restaurant Policies?

Restaurant policy premiums vary depending on a variety of factors. A restaurant’s location, square footage, annual sales and foods/beverages served are just some of the details that may impact rates.

To learn precisely how much insuring a particular restaurant will cost, owners and managers can speak with an independent insurance agent who specializes in these policies. Someone who knows restaurant policies well will be able to recommend coverages for a restaurant, and they can show several policies if they’re independent. Independent agents aren’t associated with any one insurance company.

How Can Establishments in Massachusetts Get Restaurant Insurance?

If you have a restaurant to insure, contact us at Roger Keith & Sons Insurance. Our Massachusetts agents will work with you to identify coverage needs for your business, and then we’ll help you compare policy options that meet those needs. With our assistance, you can be confident that the restaurant insurance you choose will protect your establishment well.