Hayes Risk resources

Insight Library

Practical guides for restaurant, brewery, and bar owners preparing a submission, comparing policy terms, and managing operational change.

Turn a restaurant lease insurance exhibit into an organized policy review.

Leases and premises

How to read restaurant lease insurance requirements before signing

Turn a restaurant lease insurance exhibit into an organized policy review.

Nikhil Bhattacharya · Restaurant property and lease review · 6 min read

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Map food service, premises activity, and contract requests to the policy terms.

General liability

Restaurant general liability: what to review for food and drink service

Map food service, premises activity, and contract requests to the policy terms.

Aryan Singh · Food-service liability and contracts · 6 min read

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Use staffing changes to create a cleaner workers’ compensation conversation.

Workforce planning

When restaurant staffing changes should prompt a workers’ compensation review

Use staffing changes to create a cleaner workers’ compensation conversation.

Isha Krishnan · Restaurant operations and workforce changes · 5 min read

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Organize lease, property, revenue, and operations changes before insurance renewal.

Renewal planning

Restaurant insurance renewal checklist: prepare the operation, lease, and property schedule

Organize lease, property, revenue, and operations changes before insurance renewal.

Pooja Agarwal · Renewal planning and proposal comparison · 5 min read

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Build a property schedule that reflects restaurant equipment, stock, and tenant improvements.

Commercial property

How restaurants should build a property and equipment schedule for insurance

Build a property schedule that reflects restaurant equipment, stock, and tenant improvements.

Nikhil Bhattacharya · Restaurant property and lease review · 6 min read

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Alcohol service

What bars and restaurants should review when alcohol service changes

Prepare alcohol-service facts before comparing liquor liability and related policy terms.

Aryan Singh · Food-service liability and contracts · 5 min read

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A practical side-by-side review for restaurant commercial insurance proposals.

Proposal review

How to compare restaurant insurance proposals beyond the premium

A practical side-by-side review for restaurant commercial insurance proposals.

Pooja Agarwal · Renewal planning and proposal comparison · 5 min read

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Understand the difference between proof of insurance and policy changes.

Certificates and endorsements

Restaurant certificates and additional-insured requests: what to verify

Understand the difference between proof of insurance and policy changes.

Sanya Pillai · Documentation and coverage coordination · 5 min read

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Business income

Business income insurance for restaurants: questions to ask before a shutdown

Prepare financial and property records before comparing business-income coverage terms.

Sanya Pillai · Documentation and coverage coordination · 5 min read

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Turn restaurant operations into a factual commercial insurance submission.

Submission preparation

How to prepare an accurate insurance submission for a restaurant, brewery, or bar

Turn restaurant operations into a factual commercial insurance submission.

Isha Krishnan · Restaurant operations and workforce changes · 5 min read

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Understand the distinct property, liability, income, workforce, and contract questions a restaurant should organize before seeking terms.

Restaurant insurance basics

What is restaurant insurance? A guide for food and drink businesses

Understand the distinct property, liability, income, workforce, and contract questions a restaurant should organize before seeking terms.

Nikhil Bhattacharya · Restaurant property and lease review · 6 min read

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A practical guide to comparing restaurant insurance proposals for San Francisco food and drink operations.

San Francisco provider guide

How to evaluate restaurant insurance providers in San Francisco

A practical guide to comparing restaurant insurance proposals for San Francisco food and drink operations.

Pooja Agarwal · Renewal planning and proposal comparison · 6 min read

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A practical pre-launch checklist for bars and restaurants adding regular live performance in San Francisco.

Entertainment expansion

Adding live music to a San Francisco bar: permits, operations, and insurance questions

A practical pre-launch checklist for bars and restaurants adding regular live performance in San Francisco.

Aryan Singh · Food-service liability and contracts · 6 min read

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A documentation and notice workflow for restaurants, bars, and taprooms handling a guest illness allegation.

Food-service incident guide

What a restaurant should document after a suspected foodborne-illness complaint

A documentation and notice workflow for restaurants, bars, and taprooms handling a guest illness allegation.

Sanya Pillai · Documentation and coverage coordination · 6 min read

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