Insurance for Restaurants & Breweries
Specialized coverage for your business, kitchen, employees and more.
At Liberty, we specialize in providing coverage for the restaurant & brewery industries.
With our expertise, we can help you find the right coverage to protect your business and employees.
Why Your Restaurant or Brewery Needs Insurance
Over the past several years, the healthcare services industry has experienced a reduction in the number of carriers willing to underwrite their business, leading to double-digit premium rate increases. With the recent MICRA Reform in California, medical malpractice carriers are under continued rate pressure.
The Liberty Company Insurance Brokers has established a Healthcare Services Practice Group that has partnered with a number of healthcare carriers prepared to write your business. These carriers have a strong interest in aging services, home healthcare, hospitals, clinics, and other allied healthcare services. We have a strong group of experienced healthcare insurance professionals who are committed to working with you and our partner carriers.
Highlighted Coverages for Restaurants & Breweries
Liability
Restaurants and breweries face a range of liability risks such as slips and falls, foodborne illness, and alcohol-related incidents. Liability insurance helps protect businesses against legal claims and financial losses arising from such incidents.
Property
Restaurants and breweries have a significant investment in equipment, inventory, and property, all of which are vulnerable to damage or loss due to fires, theft, or natural disasters. Property insurance helps cover the cost of repairs or replacement in the event of such occurrences.
Business Interruption
In the event of a covered loss, such as a fire, a restaurant or brewery may be forced to close temporarily, resulting in lost income. Business interruption insurance helps cover lost income and ongoing expenses such as rent, payroll, and utilities.
Liquor Liability
Serving alcohol increases the risk of liability for a restaurant or brewery, particularly if a patron is involved in an alcohol-related incident such as drunk driving. Liquor liability insurance helps protect businesses against claims arising from such incidents and can provide coverage for legal defense costs.
What Coverage Options are Right for You?
At Liberty, our team of experts can help you find the right coverage at the right price for your business.
How Does Restaurant & Brewery Insurance Work?
Review Your Needs
We cover every detail of your operation to make certain that you’re properly covered. This is the easiest way to avoid gaps in your business coverage.
Obtain Quotes From Our Partner Carriers
We have access to every carrier in the industry, allowing us to market your policy for the best price and level of coverage.
Learn About Policy Options
We’ll help you balance price and coverage while reviewing every quote we’ve received. Because we have existing relationships with commercial carriers, we know how to pinpoint the best policy for you.
Get Covered Right Away
We can close the deal quickly, bind coverage, and make sure that your restaurant or brewery is covered.
With diverse clients come diverse needs.
Working with our team at Liberty, you get the chance to:
- Review insurance coverages you should purchase
- Assess liabilities your business faces
- Look into coverages that may not be required given your business model
- Save money on every policy
- Track claims
- Receive claims support from industry experts
Frequently Asked Questions about Insurance for Restaurants and Breweries
What types of insurance coverage do restaurants and breweries need?
Restaurants and breweries typically need liability insurance, property insurance, business interruption coverage, liquor liability insurance, and workers’ compensation insurance.
Contact Liberty to discuss the options that are right for you.
How much does restaurant and brewery insurance cost?
The cost of insurance coverage for restaurants and breweries varies depending on a range of factors, including the size and location of the business, the types of services offered, the level of risk involved, and the coverage limits desired.
How much liability insurance do restaurants and breweries need?
The amount of liability insurance that restaurants and breweries need depends on several factors, including the size of the business, the level of risk involved, and the assets that need to be protected. It is recommended that businesses carry at least $1 million in liability insurance coverage.
How Do I Purchase Insurance for My Restaurant or Brewery?
Contact us at Liberty to discuss your insurance needs and receive a personalized quote. We can help you understand your coverage options and find the right policy for your specific needs.