Culinary delights they are not. But we certainly use the finest ingredients and a deft hand when it comes to preparing the right coverage for our restaurant clients.

The Industry

Restaurateurs are some of the most passionate entrepreneurs out there and not many work harder at fine-tuning their craft. Their hard work and culinary passion provides unique experiences enjoyed between both friends and family. However, the restaurant industry is one that comes with its own set of operational risks that these businesses face daily.

When working in such a competitive and face-paced industry, restaurant owners absolutely cannot afford downtime or financial loss as a result of an inadequate insurance policy. Deep fat fryers, liquor liability and stock spoilage are just a few of the items up for discussion when considering a thorough risk management plan.

How We Help

Brownridge Insurance has been a trusted insurance advisor for many restaurant owners. Our expertise will help you ensure that your business remains protected by a comprehensive insurance program at competitive prices. We know your operations demand your utmost attention, so we strive to make the review and purchase of business insurance as seamless as possible. That being said, we always take the time to sit down with our restaurant clients to dig into the details of what their policy does and does not cover, allowing for both questions and coverage adjustments at renewal time and beyond. We have insurer partners who have supported the restaurant industry in the placement of their insurance program, even when some other insurers have stepped back during the course of the hardening insurance market.

Coverage Considerations

  • Business Interruption
  • Equipment Breakdown
  • Stock Spoilage
  • Host Liquor Liability
  • Food Borne Illnesses
  • Employment Practices Liability
  • Crime Coverage – Money & Securities / Employee Dishonesty

Target Risks

  • Restaurants of all kinds, including fine dining, family restaurants and sports bars
  • Coffee Shops and Cafes
  • Fast Food Restaurants
  • Juice & Salad Bars
  • Ghost Kitchens
  • Food Trucks