Restaurants are exposed to a wide range of risks that make them vulnerable to lawsuits and other liabilities. Kitchens can be dangerous, food can go bad and large numbers of people frequenting restaurants are obvious risk factors. Restaurant insurance protects against these types of risks and helps prevent financial situations that are impossible to overcome.
Protect yourself and your livelihood through the Progressive Advantage® Business Program. Our team of experts can help you find dependable coverage so you can concentrate on what matters most – your food and customers.
Who needs it?
Businesses that cook and serve food should have adequate restaurant insurance. Business types can include:
- Bars & taverns
- Coffee shops
- Food delivery services
- Fast food franchises
- Sandwich shops
What does it cost?
Each restaurant has unique qualities that exposes it to different types of risk. For this reason, insurance cost varies from business to business. Common factors that influence your rate include the kinds of food you sell, your cooking methods, your building and employees.
For example, a small coffee shop with limited cooking equipment can expect its insurance cost to differ from a large tavern with a bar and full-sized industrial kitchen with fryers and ovens.