US Restaurant Insure is published by Provident Financial Group, a licensed independent insurance agency. This page explains who is behind the site, how pages are researched, written and updated, what we will not publish, and how to report an error.
Who publishes this site
Provident Financial Group is an independent commercial insurance agency based at 24 Cromwell Dr, Mendham, NJ 07945, licensed to sell property and casualty insurance in Arizona, California, Connecticut, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Vermont, Virginia and Washington, DC. We only describe our services for businesses in those jurisdictions. More about us: About Provident Financial Group.
How we research and write pages
- Primary sources for legal facts. Statements about state law, such as dram shop rules, workers’ compensation thresholds, auto minimums and food safety permits, are drawn from statutes, regulations and state agency pages. State pages list the official sources they rely on.
- Research and drafting tools. We use research and writing tools, including AI writing assistants, to gather sources and draft pages. Drafts are checked against the sources behind them and against our publishing rules before they go live, and the agency is responsible for everything published here.
- Unverified points are labeled. When we could not confirm a point in an official source, the page says so or states it generally, rather than presenting it as settled.
- Insurance terms explained plainly. Coverage descriptions reflect how standard commercial policy forms commonly work. Your actual policy, its endorsements and exclusions always control.
How we choose topics
We write about the questions restaurant, bar, cafe, food truck and catering owners actually bring to us: what a lease or franchise agreement requires, what a policy does and does not cover, how state law affects liquor and workers’ compensation, and what drives the cost of coverage. Pages are organized by coverage, by type of food business and by state so owners can find the answer that fits their operation.
What we will not publish
- Premium prices, price ranges or “average cost” figures. Premiums depend on your concept, sales, payroll, location, claims history and limits, so we explain the factors instead.
- Promises that we will find the lowest price, or that approval or coverage is certain. Every quote is subject to carrier underwriting.
- Claims that a carrier endorses us, or ratings and company facts we have not verified.
- Invented statistics, testimonials or reviews.
Carriers and how we are paid
As an independent agency we quote multiple insurance companies. We are typically paid a commission by the insurer whose policy you buy. Carrier comparison pages describe each company neutrally as quoted through our agency; they are not endorsements and do not imply the carrier endorses us.
Updates and corrections
Each page shows the date it was last updated. We review state law pages when legislatures or agencies change the rules we describe, and we review coverage guides as policy forms and market practices change. If you believe something on this site is wrong or out of date, email [email protected] with the page address and the source for the correction. We will review it and update the page if the correction is supported.
Not legal or coverage advice
Pages on this site are general information. They are not legal advice and not a coverage opinion on any specific policy or claim. For a decision about your business, talk with a licensed agent and, for legal questions, an attorney licensed in your state. When you are ready to compare coverage for your restaurant, Get Multiple Quotes within minutes.