Restaurant Insurance

The One Stop Shop for All Your Restaurant Insurance Needs!

Quotes are based on square footage with no audits!

The Risk

Potential Problem

Power or mechanical failure

Major food spoilage


Food contamination

Your restaurant can lose income and food inventories; you are responsible for medical expenses for customers who fall ill as a result of contamination, the expense to clean and sanitize your equipment and the lost inventory; you could face a public relations crisis.

A Fire or other disaster shuts your restaurant down for an undetermined amount of time

Beyond the cost to repair your restaurant, you could lose thousands of dollars in revenue. 

A data breach

You may be legally required to take action if your customers’ credit card information is stolen.


An intoxicated customer

If the customer leaves your restaurant and is involved in an accident, the alcohol served at your restaurant may be considered a contributing factor to the accident.

An employee cause an accident while driving one of your business vehicles

As the employer and vehicle owner, you are typically responsible for any damages resulting from the employee's accidents.

An employee believes he was wrongfully terminated or is a victim of sexual harassment or another form of discrimination

You will have to hire a lawyer to defend yourself. You might also be responsible for a settlement award.


The unthinkable happens: You or a key business partner pass away

Your restaurant may suffer a severe financial setback. Furthermore, the surviving partner may not have enough money to buy the deceased partner’s share of the restaurant.


Amherst/Accardo Insurance Specializes in all your Restaurant Insurance needs.

As you can surmise, restaurant coverage is important and complex. To get some peace of mind about your coverage, it is important to speak with one of our Restaurant Insurance Professionals. 

Our exclusive program is written in conjunction with our wide selection of carriers to give you the absolute best pricing and coverage for your unique business needs. Many restaurants require specialized coverages and our experts are here to help navigate this important business decision.

Amherst/Accardo will become your single source of comprehensive restaurant insurance including Property, General Liability, Liquor Liability, EPLI, Umbrella, Cyber, and other enhancements. This may include: coverage for property damage related to an off premises utility failure,; employee dishonesty and theft; sewer and drain backup; and dish and glass breakage.

Who needs restaurant insurance?

We offer insurance to cover all food service businesses, including:

  • Bar Insurance
  • Café Insurance
  • Cafeteria Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Food Delivery Insurance
  • Fast Food Insurance
  • Pizza Restaurant Insurance
  • Lounge Insurance

Some restaurants require specialized coverages, and we can help you navigate the issues facing the type of business you own or wish to create.

What’s covered in a restaurant insurance policy?

There are typically three important areas when making a solid restaurant insurance plan. These coverages include:

  • Business Owners Policy (BOP)
  • Workers' Compensation Insurance 
  • Business Crime insurance 

Worried about the cost?

We specialize in covering restaurants just like yours.

 We have everything you need right here, including:

  • Monthly payment options 
  • Temporary staff coverage
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Events coverage 

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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