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Delivery has moved from a nice extra to a core part of many restaurants’ revenue. Whether you use a third-party app, run your own drivers, or both, delivery adds exposures that were not part of the original insurance conversation when you opened your doors. Here are the questions worth asking about your coverage if delivery […]

Restaurants process a steady stream of card payments, store customer information through reservation and loyalty tools, and often rely on cloud-based point-of-sale systems. That combination makes them an attractive target for criminals, and many owners assume a cyber incident is a problem only for large chains. This article explains the cyber exposures restaurants commonly face

It is a Saturday afternoon, the dining room is filling up, and someone notices the walk-in cooler is warm. By the time a technician arrives, hundreds of dollars in product may already be unsafe to serve. For many restaurant owners, this is the moment they learn that a standard property policy does not always respond

A restaurant changes constantly. Menus evolve, sales grow, staff turns over, and equipment gets replaced. Your insurance policy, however, is a snapshot taken when you last applied. Renewal is the natural moment to make sure that snapshot still matches reality. Here is a practical checklist to work through well before your policy expires. Start Early

Sooner or later, almost every restaurant owner receives a request that starts with the words “please send us a certificate of insurance.” A landlord wants one before you sign a lease. A festival organizer wants one before you set up a booth. A vendor or delivery partner asks for one before you can work together.

Few incidents are as common in a restaurant as a guest or employee slipping on a wet floor. Spilled drinks, mopped tile, a tracked-in rain puddle, a stray ice cube near the bar: any of these can lead to a fall, an injury, and a claim. Understanding how premises liability coverage typically responds can help

A $1 million general liability limit sounds like a lot of coverage until a single incident in your dining room produces a claim that runs past it. A severe slip-and-fall, a foodborne illness outbreak affecting a large party, a liquor liability claim following a drunk-driving crash — any of these can produce a verdict or

Most restaurant owners know they need general liability insurance, and most know, at least loosely, that it protects against customer injuries and property damage claims. Fewer owners have thought carefully about where general liability stops and product liability begins — and for a business that serves food for a living, that line matters more than

If your restaurant or bar serves alcohol, you’re carrying a kind of risk that general liability insurance was never built to handle on its own. A customer who has one too many and causes a crash on the way home, a fight that breaks out after last call, a guest who’s served well past the

Buying an existing restaurant can feel like a shortcut. The kitchen is built, the staff is trained, the regulars know where to park. In the rush to close, insurance is often treated as a box to check on the last day, and that is where both buyers and sellers get caught. The reality is that