Restaurant, bar and cafe insurance for the Puget Sound food scene

Restaurant insurance usually combines property, general liability, liquor liability, business income, equipment breakdown and food spoilage coverage, often in a package built for food service, plus commercial auto if you deliver and stop-gap for your employees. Restaurants face kitchen fires, slip and falls, foodborne illness claims, refrigeration failures and overserved guests, so the details of the policy matter.

Key coverages for restaurants

• Liquor liability: claims arising from serving alcohol. Washington liquor licensees and many landlords expect it.
• Food spoilage and contamination, including power outages
• Equipment breakdown for walk-ins, hoods, ovens and HVAC
• Business income with an adequate restoration period
• Hired and non-owned auto for delivery and catering runs
• Employment practices liability for wrongful termination and harassment claims
• Outdoor dining and sidewalk seating liability, often required by city permits

Leases, permits and certificates

Restaurant leases and city right-of-way permits for outdoor dining commonly require specific limits, additional insured status and waivers. We review the documents and issue certificates that satisfy them.