Whether you run a deli, café or full service restaurant, all food related businesses should have some type of restaurant insurance coverage to protect themselves from lawsuits, loss of income or property damage. Restaurant owners face a wide array of risks in their day to day operations. Some common restaurant insurance claims include:

  • Customer Slip and Fall
  • Food Poisoning or other food borne illness
  • Grease fires
  • Employee Theft

Restaurants and other food service establishments have a variety of insurance needs that are typically satisfied by the purchase of multiple coverage lines. Common coverage for restaurant owners and operators include the following:

  • Property Insurance: covers losses if a fire, hail or another event damages your building or equipment. It covers your restaurant location and contents including equipment, business personal property, and interior improvements.
  • General Liability Insurance: provides coverage for accidents and injuries at your restaurant. This may be a customer slip and fall or other bodily injury occurring at the restaurant.
  • Worker’s Compensation: protects a company’s employees from the expenses and medical bills from work related accidents & illnesses.
  • Commercial Auto Liability: provides coverage for bodily injury and property damage caused by your company’s vehicles. If your restaurant business offers delivery or event catering, you may need to purchase hired & non-owned auto liability if employees are driving their own vehicles for business use.
  • Employee Theft Coverage: provides coverage if an employee steals money or valuables from your restaurant
  • Liquor Liability Insurance: this insurance protects a company that sells or serves alcohol, against claims that occur when a customer drinks too much and injures himself or someone else.

Our insurance agency provides coverage to many different types of restaurants and hospitality ventures. Below are a few examples of the types of establishments we serve:

  • Bar or Tavern Insurance (Sports Bars, Pubs, Wine Bars, Etc.)
  • Café or Coffee Shop Insurance
  • Bakery or Ice Cream Shop Insurance
  • Catering Insurance
  • Fine Dining Insurance
  • Sub Shop or Deli Insurance
  • Pizza Restaurant
  • Food Delivery Service Insurance
  • Gentleman’s Club Insurance
  • Nightclub Insurance

Pettineo Insurance Agency Inc. provides restaurant insurance including liquor liability in Fort Lauderdale, Lauderdale-By-The-Sea, Pompano Beach, Oakland Park, Boca Raton, Deerfield Beach, Hollywood, Coral Springs, Plantation, Lighthouse Point, Parkland and all of Florida.