Restaurant Insurance
Restaurants run on thin margins while juggling open flames, hot oil, foot traffic, and food safety all at once. A kitchen fire, a foodborne-illness claim, or a slip on a wet floor can each threaten the whole operation, so layered protection is essential.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For restaurant insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Commercial Property
Covers your buildings, equipment, and contents against fire, storm, theft, and other covered perils, on a replacement-cost basis where available.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Liquor Liability
Protects against claims arising from serving alcohol, where applicable.
Food Spoilage / Equipment Breakdown
Covers lost inventory and equipment when refrigeration or power fails.
Workers' Compensation
Pays medical bills and lost wages for employees injured on the job and shields you from related employee lawsuits.
Who this is for
Full-service, quick-service, fast-casual, and franchise restaurant operators.
Running restaurants means every day brings new challenges. Sherlock Insurance Group understands our industry and provides practical insurance solutions that protect our business. Their team is responsive, knowledgeable, and always willing to go the extra mile for us.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.