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Policies for Restaurants, Franchises, Fine Dining, and Fast Food
As a leader in the food industry sector, FLIP understands the sophisticated needs of those in the restaurant industry. For this reason, we recently partnered with CoverWallet, an online platform designed to help you manage your various business insurance policies all in one place, to provide competitive insurance options for restaurant owners.
Together, we can analyze your business needs and develop a plan to provide you with comprehensive restaurant insurance. Receive a bindable quote online within minutes and rest assured knowing you have coverage in place in case of an unplanned lawsuit.
As a restaurant owner, you face multiple risks specific to the food industry. FLIP has helped thousands of food businesses prepare for potential losses, including property damage, general liability lawsuits, and loss of business income.
We can also protect your restaurant business with additional coverage options depending on your specific business needs. We can structure a plan that includes liquor liability, trailer coverage, or excess liability insurance and more. See below for additional coverages available.
Restaurant Policies For:
- Fine Dining Establishments
- Fast Food Establishments
- Family Style Restaurants
- Fast Casual Restaurants
- Coffee & Gourmet Drink Shops
- Bars & Night Clubs
- New Ventures
- Restaurants w/Food Trucks
General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury. For example, if a customer were to trip and fall in your restaurant and injured themselves.
Product liability insurance covers you if your food products were to make someone ill. For example, if you undercooked and served food that sent a customer to the hospital.
If your restaurant manufactures, distributes, sells, or serves alcoholic beverages, you could be liable if you serve alcohol to a patron who then injures someone or causes property damage. For example, one of your servers provides alcohol to an intoxicated customer who then drives and causes an accident.
This provides additional coverage above your general liability limits. For example, if your general liability provides a $1,000,000 limit and a contract requires you to have $4 million you can get the additional $3 million through an excess liability policy.
This liability coverage can protect you from lawsuits related to wrongful acts arising from the employment process such as wrongful termination, discrimination, sexual harassment, and retaliation in addition to other types of inappropriate workplace conduct.
Covers damages to your restaurant building and contents due to a covered cause of loss, such as a fire
Inventory insurance protects you against loss such as food spoilage. For example, if fire damage to your refrigeration unit causes your food to spoil this coverage could cover the loss.
Covers an employee due to a job-related injury (or death) resulting from a work-related accident or occupational disease.
FLIP Is Your Industry Resource
Specialized Insurance Providers
We provide general liability insurance for a variety of food businesses, including food trucks, caterers, bakers, and vendors. When you take your food business to the next level, you can still count on the same trusted insurance sources. By obtaining insurance coverage from highly-rated providers, you can have peace of mind your business is protected.
Responsive Customer Service
Licensed agents are available to discuss your restaurant insurance needs. Our team can help you fill gaps in your insurance policies by analyzing your potential risks and finding you the right policies that match your budget.
CoverWallet has built a better experience for business owners by allowing users to manage all of their policies online and in one place. They strive to understand their customers so they can help create efficiency, save you money, and simplify the process of managing business insurance. It’s because of this that they are a trusted partner with FLIP.