The Hayes approach
Hayes Risk is an independent commercial insurance brokerage for restaurants, breweries, and bars. We prepare the account, shop the market, and recommend coverage with the lease and daily operation in view.
Taking over a fitted restaurant in San Francisco means sorting out which appliances and improvements become your responsibility. We use the lease and equipment inventory to build the insurance account, including items you plan to replace before opening. That gives the property submission a clear basis for the values and terms being requested.
We reconcile the lease, property schedule, and business description before seeking terms. When the market asks follow-up questions about cooking or service, we handle the back-and-forth and keep the submission accurate.
We present the quote differences in terms of your business: what equipment is covered, which activities are restricted, and what would trigger business income insurance. You get our recommendation and the reasons for it, including any unresolved lease requirement.
Leadership
Leadership role — client verification required
Leadership responsibility pending client verification.
Leadership role — client verification required
Leadership responsibility pending client verification.
Leadership role — client verification required
Leadership responsibility pending client verification.
Contributors
Restaurant property and lease review
Food-service liability and contracts
Restaurant operations and workforce changes
Renewal planning and proposal comparison
Documentation and coverage coordination
Tell us about your restaurant, brewery, or bar. We will work through service details and renewal timing, then prepare the account for quotes.
Book your insurance call