Restaurant Insurance
Restaurants, by their very nature, are subjected to risks not found in other types of business.
Exposures include property, crime, inland marine, premises liability, product liability, liquor liability, and workers comp, some of which can be difficult to navigate and understand. Property exposures, for example, can be very substantial for any restaurant due to the major hazards associated with grill, burners, and deep fat fryers and the potential for fire, requiring automatic fire extinguishing protection, hoods, and filters and the appropriate shut off and extinguishing mechanisms.
Many restaurants, although focused and dedicated to running necessary day-to-day operations, fail to recognize their coverage and risks, and as a result are underinsured for their specific operation. Products liability exposure in itself, due to food poisoning and allergic reactions, can produce a devastating effect on a restaurant. Many who have to claim a loss never recover from inadequate insurance protection, and, as a result, are forced to close their doors. The good news: most losses can be avoided with the correct insurance program and proper risk management practices. In most cases, the additional protection results in only a small increase in premium.
At Arbor Insurance Group, we take the time to understand your specific needs and operation. Our Pennsylvania restaurant insurance coverage covers a full-range of coverage for any restaurant operation including:
- Casual Dining
- Bars & Grills
- Caterers
- Lounges
- Fast Food Restaurants
- Taverns
- Pizzerias
- Fine Dining Establishments
Additionally at Arbor Insurance Group, we are proud to provide comprehensive coverage options that can include protection for a variety of common risk exposures mentioned above, including:
- Buildings
- Kitchen Equipment & other Contents
- Loss of Business Income
- Food Spoilage
- General Liability
- Liquor Liability
- Workers Compensation
At Arbor Insurance Group, we understand the importance of having affordable, comprehensive coverage in place– no matter how big or small your restaurant may be. We know restaurants require a large amount of dedication, work, and time; let us dedicate ourselves to you to ensure you have the correct coverage and risk management practices in place. Contact us, or fill out our free restaurant insurance quote form, for more information today.