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Are you a restaurant owner or manager?
We have the full menu of policies to keep your restaurant open.

Restaurant Insurance

Restaurant Insurance

Equipment Breakdown, Food Contamination, Utility Service Interruption

Equipment Breakdown, Food Contamination, and Utility Service Interruption Insurance will be important coverage for your business to have if you have perishable stock. If a power line goes down or a broken piston rod in an air conditioner shuts down the electricity, the food in your refrigerators and freezers will spoil and thousands of dollars of food will go to waste. You may even have to close your business until a contractor can repair the problem. This coverage will help you to replace this wasted food and keep your business running.

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General Liability Insurance

General Liability Insurance is a basic policy for restaurants, providing protection against a range of risks. It covers bodily injury, such as when a customer trips or falls on your premises, including medical expenses and potential legal fees. It also covers property damage, applicable when your business causes damage to another person's property, such as when an employee accidentally damages a neighboring business while delivering goods. Additionally, general liability insurance covers defamation and advertising damage, protecting you from litigation claims for libel, slander, or copyright infringement, such as when a competitor sues you for similarities in advertising. This type of insurance ensures that your restaurant is protected from the financial burden of lawsuits and accidents that may occur during daily operations.

Alcohol Liability Insurance

Liquor Liability Insurance is crucial for restaurants and bars that serve alcohol, as it provides protection against incidents where the serving of alcohol leads to accidents or legal issues. It covers liability in instances where a customer consumes alcohol at your establishment and subsequently causes an accident, injuring themselves or others. Many states have "dram shop" laws that allow injured parties to sue businesses that serve alcohol to intoxicated individuals or minors. Liquor liability insurance helps cover defense costs in such lawsuits, as well as any resulting fines or settlements. This policy also offers protection against claims arising from irresponsible alcohol service—for example, if a bartender serves alcohol to an already intoxicated customer who subsequently causes an accident. In summary, liquor liability insurance helps mitigate the financial and legal risks associated with serving alcohol, ensuring that your restaurant remains protected against potentially costly lawsuits and claims.

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What are my potential risks?

You might be a seasoned chef, a franchise owner, or just building your menu and interested which insurance companies are known to respond most efficiently when a restaurant catches fire, has a slip and fall, or gets sued for intoxication or food poisoning. A restaurateur works hard to provide a relaxing, enjoyable place for people to gather and dine. But what if one of your customers gets hurt or causes an accident. Serious accidents happen, and when they do, you want to be sure your business will not shut down. As your business grows, ask yourself, “What are the hazards that could make my business go up in flames?"
It’s a busy Friday and customers are swarming in to have a bite. Your wait staff is rushing, and the hostess can’t seat quickly enough. A guest slips on her way out. Another guest has an allergic reaction to an unusual ingredient. You receive a phone call from the police alleging someone was involved in a car accident, apparently driving home drunk from your bar. Soon after, you have law suits rushing in against you and attorneys are sending letters demanding hundreds of thousands of dollars. The damage to your restaurant’s reputation is crushing enough, but then you hear from your agent that you didn’t buy enough liability insurance and you have to close your doors to the public. How will you pay your attorney’s fees, court costs and damages that can exceed six figures? ​Restaurants and bars run into to these disasters every day resulting in business failure or bankruptcy. As a business owner, you want your regulars to come frequently, while you build your business and get more popular. Boynton Insurance Group has been in business since 1919, and our Restaurant Insurance Specialists can help explain the benefits and important types of coverage designed specifically for the restaurant industry. We offer affordable insurance options to meet your needs today, and in the future as your business grows.

作为企业主，你的目标是让员工满意，从而保证企业顺利运营。

博因顿保险集团深知保险的必要性。我们的代表将竭诚为您打造符合您企业需求的保险方案。立即致电预约咨询。

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Best-in-Class Insurance
at Unbeatable Pricing!

Boynton Insurance Group has partnered with best-in-class insurance providers to provide the best coverage at the best prices. Check it out for yourself now!

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Boynton Insurance Group will help your business identify critical insurance risks and provide solutions for managing and transferring those risks. We can help you professionally respond to the insurance requirements of those contracts you hold with your clients. Our agency can provide various types of insurance for your business, including Workers Compensation, Property & General Liability, Electronic Equipment, Crime Insurance (including 3rd party), and more. A careful and customized review of your current coverage, business operations, and plans for future business development can help you gauge your business' particular risks. Our Technology Insurance Specialists are ready to guide your business with personal consultation and a carefully tailored insurance package.

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