• Protects restaurants from loss with damage to the building, property or equipment
• Protects restaurants from liability for sick or injured patrons
• Provides protection for injured workers with workers’ compensation insurance

How We Can Help Your Business

Restaurants have unique insurance needs because of the types of risks they face. First, there is the liability aspect with the danger of injury to workers who are handling hot foods, working over stoves and using sharp knives and other equipment. Patrons may get sick from spoiled food or have an allergic reaction to an ingredient. In any of these situations, you need insurance to pay out for medical expenses and other costs in a claim made against the restaurant.

Restaurant owners must also think about protecting their properties from damage. Kitchen fires and other hazards could occur with no warning, causing loss of operations for days, weeks or even longer. You need coverage to repair or replace any damaged property and to pay for the loss of income until your restaurant is back in operation. All types of restaurants need this coverage, from bars and pubs to cafes to delis and diners to five-star restaurants.

Restaurant insurance costs will vary based on the type of eatery you have and the amount of coverage you need. S&K Insurance has more than 50 years of experience in the insurance business and specializes in the hospitality business. This enables them to make solid recommendations on coverage that fits your budget and specific needs. Whether you are a local coffee shop or a franchise fast-food place, you need coverage unique to the services you provide. Contact S&K Insurance to get a customized restaurant insurance quote that is designed just for you and your restaurant.

Resorts

Resort owners have a unique situation which may require unique coverage. The type of policy needed will depend on what amenities the resort offers. For example, specific liability coverage may be necessary if there is a pool where someone could drown or trails where a person could fall while hiking.