Restaurant Insurance in Massachusetts

What is Restaurant Insurance?

Restaurant insurance is a type of insurance that’s designed to meet insurance needs that are specific to restaurants. Because restaurants don’t all have the same risk exposure, policies can usually be
customized to meet a restaurant’s particular needs.

What Coverages Does a Restaurant Policy Typically Include?

Restaurant policies usually have two main coverages: restaurant liability coverage and commercial property coverage. Each coverage can help protect a restaurant from multiple potential risks.

Restaurant liability insurance coverage guards against covered lawsuits in which a restaurant is either accused or is guilty of causing property damage or harm. This coverage may pay both the legal expenses and settlement associated with a suit (up to the coverage limits).

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Restaurant Insurance

Depending on a restaurant’s risk exposure, restaurant liability insurance might include the following coverages:

  • General Liability Coverage, which many businesses have (including ones outside the food service industry)
  • Product Liability Coverage, which might help cover any issues that arise from the food a restaurant serves (e.g. food-borne illnesses)
  • Liquor Liability Coverage, which may cover a restaurant that serves alcohol if it’s held responsible for an intoxicated patron’s actions
  • Hired and Non-Owned Vehicles Liability Coverage, which can extend certain liability coverages to delivery vehicles owned by employees

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A restaurant policy’s property coverage is designed to protect the physical property that a restaurant owns. The particular coverages that a restaurant property insurance contains might include:

  • Building Coverage, which is usually only necessary if a restaurant owns the building it’s in
  • Contents Coverage, which might insure the kitchen equipment, tables and chairs, other furniture fixtures, artwork, and similar property that a restaurant has
  • Equipment Breakdown Coverage, which may cover repair costs associated with certain causes of equipment failures (e.g. a power surge)
  • Food Contamination Coverage, which might cover spoiled food that has to be discarded after a covered incident (e.g. a power surge or mechanical failure)

Restaurant Insurance Massachusetts

What Restaurants in Massachusetts Need a Restaurant Policy?

Almost all restaurants in Massachusetts, regardless of whether they’re a small pizzeria in Winchester, MA or a large, world-class dining establishment in Boston, MA, should have a restaurant policy. In most cases, these specialized insurance policies provide the best coverage solutions for restaurants -- and operating a restaurant without the necessary coverages could be financially devastating if something bad occurs.

How Can Restaurants Get a Restaurant Policy?

Restaurants that need restaurant insurance can contact one of the many independent insurance agents that serve businesses in Massachusetts. An independent agent will be able to review a restaurant's insurance needs and help the restaurant owner select a policy that provides all necessary restaurant property and restaurant liability insurance coverages.

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Your Eatery Deserves Proper Coverage

Running a successful restaurant requires significant investments of both finances and time. Without protection, a single incident could take all of the investment that went into a restaurant away. Restaurant insurance helps protect restaurants in Massachusetts from an array of potentially devastating incidents by providing the insurance coverages they need.

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