Restaurant Programs

Considering the intensely competitive nature of today’s business environment, business owners must take advantage of every opportunity available to them in order to succeed. This is especially true when it comes to choosing the right insurance policy. As a restaurant owner, you surely know that not all restaurants are identical. Whether you own a fast food chain or a fine dining restaurant, it is critical to make sure that you obtain an insurance policy that matches your operations. While pricing is an important factor in making a decision, the carrier, coverage and limits you go with are just as important because having inadequate coverage for a loss will surely end up costing you more. Do you have coverage for food spoilage? Do you need to extend coverage for your valet or delivery operations? How about liquor liability? These are only a few of the questions that you must consider. At Meslee Insurance, our educated and licensed staff will discuss the specifics of your restaurant with you and give you the proper advice on what coverages are needed to ensure that you have the proper protection. With access to a range of markets and carriers, we will help you find the most affordable policy with the most complete set of coverages. Give us a call. You won’t be disappointed.


Types of Restaurant operations we commonly work with

  • Casual & Family Dining

  • Fast Food

  • Fine Dining

  • No cooking

  • Limited Cooking


Basic Coverages that are commonly included in a restaurant owner policy:

  • Building Property Coverage: Coverage to help you quickly repair or rebuild damages to the structure of the store. (Can be covered at Replacement Cost or Actual Cash Value)

  • Business Personal Property Coverage: Coverage to help you replace the contents in your store such as furniture and tables, fixtures, inventory & office equipment. (Can be covered at Replacement Cost or Actual Cash Value)

  • Business Income Coverage: Also known as Business Interruption Coverage, Business Income Coverage will allow you to continue to receive income while your store is being repaired or rebuilt. Not only does it cover costs for payroll and operating expenses but will also help by replacing lost revenue.

  • Premises & Operations Liability: (Bodily Injury & Property Damage) Coverage that protects you from liability for injury or damages arising out of your premises or your business operations. For example, if a customer slips on water while walking to the restroom and decides to sue you for injuries, premises and operations liability will cover injury and defense costs.

  • Medical Payments: Coverage that will help pay for medical expenses if someone is injured by you or at your restaurant.


Additional Coverages that you should consider based on your operation:

  • Food Spoilage or Contamination Coverage: Coverage that helps cover losses arising out of food spoilage. For example, your refrigerator malfunctions and shuts off overnight and when you arrive in the morning, all of your produce and food are rotten.

  • Expanded Fire Damage Coverage: This coverage expands the insurance so that it applies not only as a result of fire but also as a result of explosion, the release of smoke from a fire or sprinkler leakage incidents.

  • Garage Keepers Liability: For restaurants that offer valet parking, this coverage helps protect you from claims arising out of valet operation.

  • Liquor Liability Coverage: For restaurants that serve alcohol, this coverage helps protect you if someone claims that you are legally liable for a liquor-related accident

  • Boiler & Machinery Coverage: Coverage that helps insure against the sudden and accidental breakdown of boilers, machinery & electrical equipment. This endorsement is usually not a part of typical restaurant insurance policies and must be specifically added.

  • Hired Non-owned Auto Liability: For restaurants that offer delivery services, this coverage helps protect you from claims arising out of delivery service operations.


Some Additional Suggestions & Recommendations:

  • Check Your Lease: Look at your lease to make sure what party is responsible for improvements and betterments to the leased space. In many restaurant leases, the writing clearly states that the tenant is responsible for the cost of improvements and betterments in case of a claim. If this is the case, then it is important to make sure that you account for these costs in your Business Contents Coverage.

  • Obtain Certificates of Insurance: Make sure to obtain General Liability & Workers Compensations certificates from all vendors and contractors that you do business with

  • Train Your Staff: Liability suits can often be brought up years after incidents occur. Make sure to train your employees to document the time, date, description and witness’s names and contact information for any incidents that take place. The better records you keep, the better chance your insurer has in defending you.


Other information

  • The coverages listed above are general coverages that you will find on most Restaurant (BOP) Policies. Additional and more specific coverage options are available based on the type of business.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.


This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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