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Restaurants operate in one of the highest risk sectors in the service industry. Fires, slip and fall injuries, foodborne illness claims, equipment breakdown, and liquor liability exposure can result in substantial financial loss. Restaurant Insurance protects restaurant owners from property damage, lawsuits, and income interruption.
Cogo Insurance is an independent insurance agency specializing in commercial and complex risks. We arrange Restaurant Insurance for independent restaurants, franchise operators, and multi location restaurant groups. We work with admitted carriers, surplus lines insurers, and specialty MGAs that understand restaurant operations.
We insure restaurants in Dayton, Cincinnati, Columbus, Chicago, Aurora, Des Plaines, Philadelphia, and across Ohio, Illinois, Pennsylvania, Texas, Florida, North Carolina, Maryland, New Jersey, and New York. Restaurant Insurance protects your business, protects your property, and protects your financial stability.
Restaurants face unique risks not present in many other industries. According to the National Fire Protection Association, restaurants experience more reported fires than any other commercial industry. Cooking equipment is the leading cause of these fires.
Restaurants also face liability exposure from:
Without proper insurance, these risks can threaten the financial survival of the business. Restaurant Insurance protects against these exposures.
General Liability Insurance protects restaurants from claims involving bodily injury and property damage.
Examples include:
Liability claims can result in legal defense costs, settlements, and court judgments. General Liability Insurance protects restaurant owners from these financial risks.
Commercial Property Insurance protects restaurant buildings and equipment.
Coverage protects:
Covered causes of loss may include:
Restaurant equipment replacement costs can be substantial. Property insurance protects your investment.
Property damage can force restaurants to close temporarily. Business Interruption Insurance replaces lost income during closure.
Coverage protects:
This coverage protects financial stability during recovery.
Restaurants serving alcohol face liquor liability exposure.
Liquor liability claims may arise from:
Liquor Liability Insurance protects restaurant owners from these claims.
This coverage is often required by landlords and licensing authorities.
Restaurants rely on equipment to operate.
Equipment breakdown coverage protects against:
Equipment breakdown can result in income loss and food spoilage.
Insurance protects against these losses.
Restaurants with employees must carry Workers Compensation Insurance.
Workers Compensation protects against:
This coverage is required by law in most states.
Restaurants offering delivery face additional exposure. Commercial Auto Insurance protects against liability arising from delivery operations. Non-Owned and Hired Auto coverage protects the restaurant when employees use personal vehicles for deliveries.
Premium depends on several factors:
Cogo Insurance compares multiple insurers to obtain competitive pricing.
Independent insurance agency access
Restaurant insurance expertise
Proper coverage structuring
Access to admitted and surplus lines insurers
Multi state licensing
We ensure restaurant owners obtain proper coverage.
Restaurants face significant liability and property exposure. Restaurant Insurance protects your business and ensures financial stability.
Contact Cogo Insurance using the contact form to request a quote.
Restaurants need General Liability, Property Insurance, and Workers Compensation. Liquor Liability is required if alcohol is served.
Premium varies depending on restaurant size, location, and risk profile.
Yes, equipment breakdown coverage can protect against food spoilage.
Yes, restaurants serving alcohol must carry liquor liability insurance.
Yes, property insurance covers fire damage.
Yes, coverage is available for small independent restaurants.
Workers Compensation is required for employees. Other coverage may be required by landlords and lenders.
Contact Cogo Insurance using the contact form to request a quote.
