Restaurant & Bar Insurance

Today’s restaurant environment is more complex than ever, and you need to know you’re covered for the unexpected occurrence with insurance specific to the unique needs of restaurants and bars.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Restaurant & Bar Insurance is needed for the following:

  • Fine Dining
  • Casual Dining
  • Fast Food
  • Ethnic Cuisine
  • Delicatessen
  • Coffee Shop
  • Micro Brewery

Restaurants and bars are hospitality businesses with unique insurance needs. At VanScoter Insurance Agency in Rochester, New York, our agents understand the challenges and risks in running a bar or restaurant. We can custom-tailor a policy with the right coverage in the right amounts to protect your establishment.

Types of Restaurant & Bar Insurance Coverage

Before we recommend an insurance package for your bar or restaurant, we will take the time to ask about your neighborhood, clientele, and exposures from customers and employees. When we fully understand your needs, we can create your custom package, which may include:

  • Restaurant liability insurance
  • Liquor liability insurance
  • Property insurance
  • Business interruption insurance
  • Foodborne illness coverage
  • Workers’ compensation insurance
  • Valet parking/garage keeper liability
  • Company auto insurance
  • Employee benefit plans
  • Employment practices liability
  • Crime/fidelity policies
  • Electronic instrument policies
  • Bonds

Every business incurs a certain amount of risk, but restaurants and bars can be particularly vulnerable because of their high volume of customers and dependence on facilities running as they should. In determining the coverage needed for your bar or restaurant, consider these factors in the following order:

  • What coverage is required by law?
  • What coverage is required by your lenders?
  • What special risks is your business facing?
  • For what portion of the risk do you want protection?

The cost of your restaurant and bar insurance package will depend on various issues, including your risk exposure, the types of coverage you need, the location of your business, the capacity of your establishment, and the number of people you employ. Our agents at VanScoter Insurance Agency will work to ensure that you have all the coverage your business needs at the lowest available rates.