Food & drink businesses

Commercial insurance for food and drink businesses.

We handle insurance submissions for restaurant kitchens, brewery operations, and bars, with a policy comparison built around the work each business does.

A cook arranging clean plates at a kitchen pass while another worker prepares the dining room.

Restaurants

Commercial insurance for a working restaurant.

We arrange restaurant insurance around how you cook and serve, the property you rely on, and the requirements in your lease.

We prepare the restaurant submission with the cooking methods and service formats you actually use. If you add catering or seated dining, we include the change and check how the proposed liability terms treat it.

At renewal or before a move, we revisit the lease insurance exhibit and equipment schedule. We seek terms for the current restaurant and explain how they differ from the insurance you already carry.

Details we establish for the submission

  • What cooking equipment and fire-protection systems are in use?
  • Who is responsible for the buildout, fixtures and rented equipment?
  • Does the business provide alcohol, catering or off-site service?
An empty restaurant and wood bar with stools, folded linens and warm pendant lights.

Breweries and bars

Insurance for brewing and alcohol service.

We shop commercial insurance for breweries and bars, distinguishing production exposures from the taproom and alcohol service.

For a brewery, we establish where production and storage happen and how products reach customers. For a bar, we describe hours, entertainment, and outdoor service so the submission gives the market more than a total receipts figure.

We examine liquor liability and assault-and-battery restrictions in the quotes. We explain whether the available wording addresses your activities and follow up on limitations that need attention.

Details we establish for the submission

  • Where are products made, stored, served and distributed?
  • Have alcohol receipts, entertainment or service hours changed?
  • What does the lease require for liquor liability and additional insureds?

Book a food and drink insurance call.

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