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A restaurant is one of the most dynamic businesses around. Everything happens at once: customers coming and going, kitchen in constant operation, staff under pressure, equipment running all day. The NRA reports that fire is the leading cause of restaurant losses — and a single foodborne illness lawsuit can exceed $100,000.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Property Protection
Covers the building (if owned), tenant improvements, kitchen equipment, dining furniture, and inventory from fire, water damage, theft, and vandalism.
General Liability
Covers slip-and-falls, foodborne illness claims, and other third-party injuries. Required in nearly every commercial lease and by most landlords.
Business Interruption
If a covered event closes your restaurant, replaces lost income and pays ongoing expenses (rent, payroll, loan payments) until you reopen — typically up to 12 months.
Liquor Liability
Required by Washington's WSLCB and most landlords if you serve alcohol. Protects you when an intoxicated patron causes injury or damage after being over-served.
Workers' Compensation
Mandatory in Washington for any business with employees. Covers cuts, burns, slips, and back injuries — common in fast-paced kitchens.
Common Endorsements
Coverages designed for the realities of food service.
More Risk Points Than Most Businesses
Restaurants have unique exposures: open flames, hot oil, fryers, walk-in coolers, gas lines, alcohol service, and high employee turnover. The NFPA estimates U.S. fire departments respond to 8,000+ restaurant fires per year — most caused by cooking equipment. A generic policy doesn't address these properly.
Our Approach
We don't treat your business as just another one. We understand the restaurant industry.
Understand your industry
Evaluate real risks
Design specific coverage
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.