Are you ready to ensure the continuous success of your restaurant?
Get a free Massachusetts commercial restaurant insurance quote now.Commercial Restaurant Insurance is a specialized coverage designed to meet the unique needs of food service businesses in Massachusetts. From small cafes to fine dining establishments, we offer commercial insurance protection against a wide range of risks, including property damage, liability claims, and employee-related issues.
Our comprehensive Restaurant Insurance policies can cover various aspects vital to food service businesses, including:
• Property insurance for buildings, furniture, and equipment
• General liability insurance coverage for customer injuries or property damage
• Business interruption insurance to cover lost income during rebuilding or repair
• Workers' compensation insurance for employee injuries, illnesses, and lost wages
• Liquor liability coverage if your establishment offers alcoholic beverages
Each restaurant has its risk profile, which is why we offer a range of deductibles and limits for our Commercial Restaurant Insurance policies. Our expert independent insurance agents can help you find the right combination of coverage and cost by assessing your business needs and budget.
Each restaurant has its risk profile, which is why we offer a range of deductibles and limits for our Commercial Restaurant Insurance policies. Our expert independent insurance agents can help you find the right combination of coverage and cost by assessing your business needs and budget.
• Full-service restaurants
• Fast Food Restaurants
• Fine Dining Restaurants
• Cafes, bistros and coffee shops
• Fast food joints
• Catering services
• Food trucks
• Bars and pubs
• Night Clubs
• Delicatessens
• Ice cream shops
• Doughnut shops
• Bakeries
Our specialized insurance is designed to meet the demands and challenges of operating in the food service industry.
These additional insurance policies may be worth considering for small businesses—or can potentially be integrated into a business owners' policy:
• Equipment Breakdown Coverage:
This policy covers the costs of repairing or replacing essential equipment, like furnaces, A/C units, boilers, or kitchen appliances such as refrigerators if they get damaged or malfunction due to an electrical surge. In some instances, it also covers lost profit.
• Garage Keepers Insurance:
If your restaurant provides valet parking, this coverage helps pay for physical damage to customers' cars caused by your valet service.
• Commercial Auto Insurance:
For restaurants operating food or catering trucks, commercial auto insurance is necessary to safeguard these assets against potential accidents or damages.
• Employment Practices Liability Insurance:
This policy protects your business if you face accusations of harassment or discrimination. It's important to note that general liability coverage doesn't include this.
• Professional Liability Insurance:
When providing services such as cooking classes or other expert advice, businesses should consider obtaining professional liability insurance, which covers eventualities where customers experience issues after following your guidance.
Secure your restaurant with our comprehensive, cost-effective Massachusetts Commercial Restaurant Insurance. We bring years of experience, stellar customer service, and policy customization to the table, ensuring your business thrives despite uncertainties.
Don't leave your restaurant's future to chance. Reach out to us today.
GET a personalized free restaurant insurance quote.
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