Insurance for Restaurants
Why choose Zurich for Restaurant insurance?
Restaurant operators face evolving exposures related to supply chain volatility, third-party delivery models and shifting consumer behavior. Ghost kitchens and multi-channel distribution structures introduce additional property, liability and operational risk considerations. Insurance structures should reflect these operational complexities and portfolio-level risk management objectives.
Zurich provides multi-line solutions for restaurants including Property, General Liability, Commercial Auto, Workers’ Compensation, Cyber, Employment Practices, Directors and Officers, Errors and Omissions and Multinational.
Contact your broker, or find a Zurich preferred broker.
Insurance solutions for Restaurants
Broad definition of real and personal property.
- Real property does not exclude insureds interest in underground pipes, flues, drains and other permanent structures.
- Personal property includes personal property of others and computer systems.
- Equipment breakdown coverage included with no sub-limit.
- Ordinance or law applies to all covered property and time element loss, not just buildings
- Better GreenTM – coverage to rebuild to same or higher green standard
- Flexible Accounts Receivables, Valuable Papers, Computer Systems and Fine Arts limits
- Hospitality and Leisure Industries Coverage Endorsement Enhancement provides additional coverage for Customer Inconvenience, Guest Property, Lost Master Key, Food Contamination for Business Income and Extra Expense
- Rare Wine and Distilled Spirits Valuation enhancement amends valuation for rare bottled wines and spirits to selling price per bottle or per pour.
General Liability Industry specific endorsements providing 22 enhancements to coverage such as:
- Broad Named Insured
- Automatic Blanket Additional Insureds
- Automatic Waiver of Right of Subrogation and Primary Non-contributory conditions
- Incidental Medical Services, Good Samaritan Acts and Co-Employee extensions
- Broadened perils included for Property Damage to Premises Rented to You
- Definition of Bodily Injury includes mental anguish, mental injury, shock, fright or death
- Broadened contractual liability
Liquor Liability coverage available
Broadening coverage endorsement adds 23 extensions in one form, including:
- Employees as insureds
- Waiver of Subrogation (when required by contract)
- Fellow employee
- Hired car loss of use
- Hired Auto world-wide coverage
Garage keepers coverage available for valet exposure
- Level and variable dividend options available.
- Loss sensitive programs available.
- Pay-as-you-go payroll options.
In addition to the many traditional insurance coverages needed by most businesses, Zurich can provide specialized insurance coverages tailored to the needs of restaurants, including:
- D&O
- E&O/Professional Liability
- Cyber
- Garagekeepers liability
Meet our Restaurant specialists
Rachel Berman
AVP, Industry Practices Director, Real Estate and Hospitality
U.S. Middle Market
rachel.berman@zurichna.com
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Risk Engineering
Through Zurich Resilience Solutions, we provide specialized insights and tools to support our customers with solutions addressing traditional and evolving risks – above and beyond insurance.
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Claims Services
Zurich Claims specialists are strategically deployed in the U.S. and around the globe to help customers mitigate and respond to loss events, and to gain insights into becoming more resilient against future losses.
Learn moreFAQs
Restaurant insurance refers to coverage structures that address property, liability, workforce and operational exposures associated with restaurant operations. Coverage considerations may reflect premises risk, food preparation activities, alcohol service and business interruption exposure.
Restaurant operators commonly evaluate General Liability coverage, Property coverage, Workers’ Compensation and, where applicable, Liquor Liability and Cyber coverage. Coverage structures vary based on operational model, location footprint and service format.
Restaurant operations involve exposure to property damage, third-party injury, workforce risk and food-related liability. Insurance coverage addresses these exposures in accordance with policy terms and the restaurant’s overall risk profile.
Food spoilage is a significant operational risk. Coverage for financial losses from spoilage may be addressed within a Property Insurance policy, often through endorsements for equipment breakdown.
Multi-location operations introduce aggregation risk related to property values, supply chain continuity and workforce management. Insurance coverage can take into account centralized purchasing, shared vendors and geographic catastrophe exposure.
