Industries we serve
Restaurant insurance for the way you serve your customers
Your insurance should reflect what happens in the kitchen, at the table and beyond the front door. BIG helps restaurant owners review renewal options around the actual operation, including employees, equipment and the services customers use.
How your restaurant operates
Tell us what happens beyond the dining room
A café serving breakfast, a full-service restaurant with a bar and a business handling off-site catering do not have the same insurance questions. We start with your menu, cooking methods, hours and service model, then discuss delivery, alcohol sales and special events where applicable.
Your building and equipment matter as well. Whether you own the property or lease the space, include the improvements you have paid for and the equipment you depend on to keep food service running.
The coverage discussion
Review the risks that can interrupt service
Property and general liability are useful starting points, with workers compensation and other coverages considered for your operation. Equipment breakdown, spoilage and business income deserve specific attention rather than an assumption that one package includes everything.
If you serve alcohol or make deliveries, discuss the relevant liability coverage directly. Ask how each proposal treats those activities and any conditions attached to coverage. A lower-priced quote is easier to evaluate when you can see which limits, deductibles and exclusions differ.
Comparing your options
Use the same restaurant details for every proposal
For a review, gather current policies, renewal terms, sales, payroll, loss information and equipment values. Break out alcohol, catering and delivery operations where relevant, and include any insurance requirements in your lease.
Tell us about changes planned for the coming year, such as longer hours, another location or a new service. We can help you review your existing coverage and compare available options using an accurate picture of the business.
Related coverage and industries
Explore your options
Property, general liability and business income coverage packaged for eligible businesses.
Workers CompensationCoverage for work-related employee injuries and illnesses.
Commercial AutoInsurance for business vehicles, with a review of drivers, vehicle use and hired or non-owned auto exposure.
Cyber InsuranceReview cyber insurance for incident response, business disruption and claims involving customer information.
Coverage references
General information. Coverage depends on the policy, exclusions and underwriting.