Restaurant Insurance

The legal responsibilities of food and beverage service businesses are rather unique. On top of liability and property concerns, owners face risks related to food safety, liquor sales, etc. At Tabak Insurance Agency, restaurateurs can get the protection they need from a company with industry expertise.

Types of Restaurant Insurance

General liability

Protects business owners in the case that a third party (e.g., a customer or vendor) brings a claim against them for things like property damage, injury, negligence, and libel.

Liquor liability

Protects businesses from being liable for certain actions of individuals who become intoxicated by drinking alcohol served or sold in your establishment (e.g., drunk driving). Actual coverage may vary by state and policy.

Property Insurance

Covers losses related to income, crime, equipment damage, food contamination, certain weather, and other kinds of damage to business property.

Worker’s Compensation

Provides financial compensation to employees who have been injured or made ill at work. Worker’s comp covers lost wages and medical costs, protecting the employer from negligence lawsuits.

Business Owners Policy (BOP)

An overarching insurance policy that contains all necessary coverage types and which can be customized to suit the needs of the business.

Directors and Officers (D&O)

Protects businesses if an executive is sued individually for wrongdoing at work. If a joint-owner of a bar is sued for something he did as a bartender, D&O insurance would protect the other owner and the business itself.

Errors and Omissions (E&O)

Protects businesses against claims of loss due to professional error. A claim that a catering company failed to perform as promised would fall under E&O coverage.