Restaurant insurance helps protect you from the risks you face as a restaurant owner so you can focus on what matters most: your food, your customers, and providing a great experience.
A comprehensive restaurant insurance policy can help reduce exposing your restaurant to unneeded risk, and ensure your restaurant is ready to serve customers.
What’s covered in a Restaurant Insurance policy?
There are typically three important areas to creating a well-rounded restaurant insurance plan. These coverages include:
- Business Owners Policy (BOP) which protects restaurants through general liability property insurance, loss of income coverage and more. It may also provide protection against lawsuits and other financial liabilities that result from customers slipping on a wet floor, or building damage from fire, or lawsuits and other business related risks.
- Workers Compensation Insurance can help cover medical costs and a portion of lost wages for employees who become sick or are injured on the job.
- Business Crime insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery.
- Restaurant Vehicles may also need to be covered in the case of deliveries or if employees use their personal vehicles to run errands for the restaurant.
Some restaurants require specialized coverages, and we can help you navigate the issue facing the type of business you own, or wish to establish.
The J. Morey Company Difference
With nearly 40 years of restaurant insurance experience with clients throughout the state of California, we can pinpoint your needs and the best protection to match them. Because we are an independent insurance brokerage, we have access to many different insurance carriers, allowing us to offer you the best rates throughout California. We can also help you assess and reduce risk exposure within your restaurant.
We’re here for you. We’re here to protect our clients, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and have comprehensive coverage.
No such thing as a one-size-fits-all insurance policy.
At The J. Morey Company, we understand that options can sometimes be overwhelming. Our knowledgeable and helpful agents can work with you to find the coverage you need.
Request a quote now and let the professionals at The J. Morey Company help you find the best California restaurant insurance policy for your needs.