Some of our staff is working remotely from their homes. We are committed to continuing to provide the service you have come to expect, and will still be answering phone calls and responding to emails in a timely manner.
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
JMG Insurance Corp Logo

JMG

Personal, Business & Specialty Insurance Brokerage

Our Locations 1-844-304-7332
  • Personal
    • Auto Insurance
    • ATV Insurance
    • Boat & Yacht Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Snowmobile Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Rental Property Insurance
    • Renters Insurance
    • Umbrella Insurance
  • Business
    • Business Owners Policy
    • Auto Insurance
    • Flood Insurance
    • Errors & Omissions Insurance
    • General Liability Insurance
    • Workers Compensation Insurance
  • Life And Health
    • Client Services
    • Compliance
    • Employer Benefits
    • Individual Life and Health
    • Medicare
    • Student Accident & Specialty Coverage
    • Travel Insurance
  • Specialty
    • Car Wash Insurance
    • Commercial Marine Insurance
    • Condominium Insurance
    • Construction Insurance
    • Contractors Insurance
    • Cyber Liability Insurance
    • Franchise Insurance
    • Garage Insurance
    • Habitational Insurance
    • Homebuilders Insurance
    • Limo Insurance
    • Non-Profit Organizations
    • Pool & Spa Contractors Insurance
    • Public Transportation Insurance
    • Rage Room Insurance
    • Restaurant Insurance
    • Retail Insurance
    • School Accident Insurance
    • Special Event Insurance
    • Sports Insurance
    • Woodworkers Insurance
  • Surety
  • Certificates
    • CSR 24 Login
    • High Volume Certificate User
    • Indemnity Agreements
  • Claims
    • First Notice of Claims
  • About
    • Blog
    • Contact
    • Our Companies
    • JMG and SAN Network Partnerships
      • AllKane Insurance
      • SAN Network Partnerships
      • Baio Insurance
      • Beacon Insurance
      • Burlington Insurance
      • Frazao Insurance
      • Lambert’s Insurance
      • Max Fitelson and Son
      • Premier Insurance
      • Rabbett Insurance Agency
      • Svendsen Insurance
      • Westport Insurance Center
    • Testimonials
  • Client Login
  • Make a Payment

​What Kind Of Insurance Do Restaurants Need?

Request a Quote! An insurance quote does not impact your credit score.

Request a Quote

June 27, 2022 by JMG Insurance Corp

modern urban restaurant in the morning sunlightHave you initiated the challenging yet exciting process of opening a restaurant? Do you enjoy creating dishes or experimenting with different cuisine? Want to pursue a lifelong passion for serving others? If the answer to all these questions is yes, know that insurance is an essential part of owning and running a restaurant.

Undeniably, running a restaurant is daunting and challenging. Not only do you have to worry about food quality, service, personnel, and customer service, but you also have to consider customer safety, profitability, regulations, insurance, and taxes.

Owning a restaurant carries specific risks, unforeseen incidents, and accidents, just like most other businesses. These variables are essential for determining coverage. It takes a single lawsuit from a customer or client for you to end up bearing major financial losses. Arbitration also takes up a substantial amount of time and energy. That’s why you need to continue reading.

Get your restaurant business adequately protected by insurance. Accidents are inevitable in the restaurant business. You may find yourself in an unexpected spot where your only option is to thank yourself and say, “I’m glad I have insurance.” According to the data, restaurant owners can pay between $2,000 and $8,000 annually for coverage, depending on its scope and size.

Here’s an easy-to-follow guide to what restaurant insurance you might need and the best way to lower your insurance costs.

Let’s buckle up and explore the different types of insurance coverage for the restaurant business.

Types of Restaurant Insurance Coverage

The idea of starting a restaurant business involves various types of risks. Though these risks should never hold you back from your dream of owning a restaurant, be aware of them and be prepared as a restaurant owner.

Insurance protects your restaurant against financial losses from property damage or bodily injury claims.

General Liability Insurance

General liability insurance is one of the core coverages that every restaurant should purchase. It protects your restaurant against claims and lawsuits due to incidents causing bodily injuries, advertising injuries, and property damage. These incidents usually occur due to accidents such as slips, food, and falls. Not only this, but it protects against common customer complaints like food poisoning and customer burns. When you purchase general liability insurance, your insurance company will step in to save the day and cover legal fees.

Commercial Property Insurance

nice and unique restaurant in south koreaAlthough general restaurant liability insurance has the highest frequency of claims, restaurant property insurance records the highest dollar claims. The commercial restaurant property insurance policy covers kitchen equipment, dining tables, freezers, and building, among other properties.

Restaurants and their operations involve open flames and ovens, hence commercial property insurance is must-have coverage for all restaurant owners. In general, this insurance policy is associated with loss and damage to property. Commonly, restaurant property coverage includes building fires, theft, repair of equipment, and other accidents.

Workers Compensation Insurance

As the name suggests, a workers’ compensation policy focuses on the staff and employees in your establishment. It pays for medical expenses, rehabilitation costs, or lost wages if any of your workers incur work-related illnesses. The law requires that restaurants have adequate worker compensation insurance, and requirements vary from state to state.

Crime Insurance

Crime insurance protects your restaurant business from different kinds of theft, such as forgery of documents, extortion, and burglary. Restaurants have a high frequency of daily revenue generation, making them a target for criminals. That’s why it’s essential to purchase this policy.

Commercial Auto Insurance

If you use vehicles for your business operations, especially daily, it might run like clockwork. But that doesn’t mean you should not take measures to protect it. Remember, a commercial auto insurance policy won’t cover any claims that go beyond restaurant operations.

A Commercial Auto Insurance policy covers vehicles used for restaurant-related operations, such as your delivery staff using the vehicle to supply food.

Liquor Liability Insurance

If you serve any kind of alcohol, the chances are that your state will require you to have this insurance policy to maintain a liquor license. It covers costs against lawsuits caused due to a customer’s intoxicated state. Your restaurant could become central to lawsuits for overserving alcohol if inebriated customers get wounded or injure someone else.

Choosing the Right Restaurant Insurance – JMG Insurance Corp

 modern style with textured walls and a parquetInsurance is a vital ingredient for any successful restaurant, and it allows restaurant business owners to pay monthly premiums to protect them against all kinds of damage and risks. You can’t always predict disaster, but you can lessen its impact with an insurance policy that helps you bounce back and keep your doors open.

Insurance policies prepare your restaurant business from unfortunate accidents that can potentially bring your business down financially. Choosing the right insurance policy and a credible insurance partner helps you deal with all the risks of owning and running a restaurant business. Instead of worrying about expected or unexpected issues, use your attention and time productively to grow your business.

Buying the best insurance policy is essential for the security of your restaurant business. We cannot stress how important it is to choose the right policy based on your custom variables. At John M. Glover Insurance Agency, our professionals are available to serve and guide you. We can assess the risks specific to you and we’ll recommend the types of insurance that best suit your restaurant. Request a quote today, and let us help you determine the right coverage for your restaurant business. After all, you deserve the success of a hit restaurant.

Primary Sidebar

Get Started!

  • *If your state is not shown, then JMG may not have a market for this state.
  • This field is for validation purposes and should be left unchanged.

Footer

JMG Insurance Corp Logo

JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

  • About Us
  • Blog
  • Careers
  • Contact Us
  • Our Locations
JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
Google Rating
4.8
John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
Our agent
See All Reviews
powered by Google

© 2025 JMG Insurance Corp · Powered by 321 Web Marketing · Website Privacy Policy

Link to company Facebook page

Link to company Instagram page

Link to company LinkedIn page