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Restaurant Business Insurance

Tailored for You

In today’s booming food and beverage market there are a lot of things you need to be aware of if you are a small restaurant business owner. Whether you are operating a small farm to table restaurant in coastal Maine or a large smoothie and juice bar in Orange County, California, you will inevitably run into the same risks. At Lotfey Dennett we can help you understand the preventative measures you should take when running a small food business.

Below are some of the various types of insurances you may need to consider investing in when running a restaurant:

Property Insurance

Property insurance is vital for every food service establishment. It will help you fight against issues with business income, equipment, food contamination, or sewer backup.

General Liability

Unlike many other office environments, kitchens are extremely haphazard. From flames to knives, there is a lot to account for in a restaurant environment. By investing General Liability you will be ensuring the safety of your business as well as the people who work inside of it. At Lotfey Dennett our team of insurance specialists will help you determine a plan that works for you and your business model.

Employee Benefit Liability

Transparency in the workplace is king, however from time-to-time there are miscommunications in the workplace. Employee Benefit Liability plans can help protect you in the event that an error in the administration of an employee benefit program occurs. This plan provides a combination of general liability and fiduciary liability policies to keep you defended against any possible errors or mishaps.

Liquor Liability

If you are a small business owner in the foodservice industry then you probably know that any establishment that sells, serves, or provides liquor should be insured. Liquor Liability protects you and your business against the possibility of an inebriated person getting injured, hurting someone else, or property.

Cyber Liability

Data breaches and network security failures happen. Protecting yourself, and your customers, from a security breach is increasingly important in 2016. Cyber Liability insurance is a must for your restaurant because it will cover your business if a data breach occurs and customer information, like credit card details, is stolen. On top of that, Cyber Liability will cover the costs associated with data breaches, including: credit monitoring, costs to defend claims by state regulators, fines and penalties, notification costs and loss resulting from identity theft. At Lotfey Dennett, we take security seriously, no matter how big or small your restaurant.