Hospitality & Food Service Insurance
Food service carries a distinctive mix of property, liability, liquor, and employment exposure — and the right program depends heavily on your service model and hours.
Operations we write
Classes within Hospitality & Food Service.
Restaurants across every service model, from quick service to fine dining, including liquor and lounge exposures.
- Full-Service Restaurants
- Fine Dining
- Ethnic Cuisine Restaurants
- Quick Service Restaurants
- Hookah Lounges
What we focus on
Where hospitality & food service programs succeed or fail.
These are the specific points we examine before approaching the market on your behalf.
Kitchen equipment and business personal property values
Business interruption after a covered shutdown
Assault and battery considerations for late-hour venues
Spoilage and equipment breakdown
Workers’ compensation for tipped staff
Advisory work
What we do before we quote your business.
Understand the business
We start with how you actually operate — what you do, who you employ, where you work, and what you have committed to contractually.
Verify exposures and supporting data
We confirm values, payroll, sales, loss history, and schedules so the submission stands up to underwriting scrutiny.
Prepare organized submissions
We present your business professionally to the market, in the format underwriters want to receive it.
Coverage
Programs commonly structured for this sector.
- Commercial General Liability
- Business Owners Policies (BOP)
- Commercial Property
- Business Personal Property
- Workers’ Compensation
- Commercial Auto
- Inland Marine
- Garage Liability
- Garagekeepers Liability
- Excess Liability
- Commercial Umbrella
- Liquor Liability
- Contractors Pollution Liability
- Professional Liability (Errors & Omissions)
- Cyber Liability
- Flood Insurance
- Builder’s Risk
Other sectors
More industries we serve.
Construction & Contracting
General contractors, builders, and the specialty trades — including restoration and remediation risks that many agencies will not write.
Explore ConstructionRetail Operations
Single-site and multi-location retail, including classes that standard markets often decline.
Explore RetailAutomotive
Dealers, recyclers, parts operations, and commercial fleets — including garage and garagekeepers exposures.
Explore Automotive
Let’s review your hospitality & food service program.
A consultation costs nothing and carries no obligation. We will look at what you have, tell you plainly what we see, and let you decide where to go from there.
“The Best at Getting Better.”
ProfessionalConsultativeCommitted to Improvement