Restaurant Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Restaurant insurance is a specially designed commercial insurance that’s uniquely crafted for restaurants. Most policies offer multiple coverage that work together to create a web of protection.

Most dining establishments in Massachusetts could benefit from having a restaurant policy that provides robust coverage. This may be an appropriate insurance choice for sit-down eateries, fast food businesses and other brick-and-mortar businesses that serve food.

General Liability Coverage
Product Liability Coverage
Liquor Liability Coverage

What is Restaurant Insurance?

Owners of restaurants have invested a lot in their businesses, and the investments they’ve made ought to be protected whenever possible. Restaurant insurance offers Massachusetts restaurateurs an array of coverage that help protect against potential risks.

Restaurant insurance is a specially designed commercial insurance that’s uniquely crafted for restaurants. Most policies offer multiple coverage that work together to create a web of protection.

What Massachusetts Businesses Need a Restaurant Policy?

Select businesses might need many of the restaurant liability insurance and other protections that a standard restaurant policy offers, but actually be better off with a slightly different form of commercial insurance. For example, breweries, bars, nightclubs, food trucks and caterers might want to get a policy that’s more specifically designed for them. Such policies are often widely available.

Any business that’s unsure whether a restaurant or other commercial insurance policy is best for them should contact an independent insurance agent who specializes in restaurant liability insurance protections. A knowledgeable agent will be able to help businesses decide which type of policy is best suited for their particular situation.

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Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

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Lynnfield, MA
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Kelly Ilebode

Boston, MA

What Protections Do Restaurant Policies Provide?

As mentioned, most restaurant policies include a number of coverage. Many of these coverages can be separated into restaurant liability insurance protections and restaurant property insurance protections.

Some of the more common restaurant liability insurance protections are:

General Liability Coverage, which may protect against common accidents
Product Liability Coverage, which may protect against claims related to food-borne illnesses
Liquor Liability Coverage, which may protect against claims related to alcohol-induced incidents
Umbrella Liability Coverage, which may provide additional liability protection

Some of the restaurant property insurance protections that establishments frequently get include:

Commercial Property Coverage, which may protect an owned building
Tennents Betterment Coverage, which may protect improvements made in a leased space
Food Contamination Coverage, which may protect ingredients and foods in stock
Equipment Breakdown Coverage, which may protect essential kitchen and front-of-house equipment

In addition to these, restaurants that offer delivery frequently need some form of auto insurance. Commercial auto insurance is normally used in situations where a restaurant owns one or more vehicles (e.g. for catering events). Restaurants that have employees make deliveries via their own vehicles might only need hired and non-owned auto coverage. This coverage is generally used to cover vehicles that are used for work but not owned outright by a business.

Do Restaurants Need Workers Compensation Coverage?

Many restaurants in Massachusetts have employees and need workers compensation coverage. The coverage is required of most businesses in the state that have employees.

Workers compensation, however, frequently isn’t available through a standard restaurant policy. Instead, restaurants often purchase it separately. Insurance agents who are familiar with restaurant policies usually also assist businesses with workers compensation coverage.

How Much Do Restaurant Policies Cost?

Restaurant policies’ premiums are based on many factors and therefore, are apt to vary. Some of the items that insurers consider when setting rates are:

Where a restaurant is located
How large a restaurant’s facilities are
How many customers a restaurant serves
Whether a restaurant serves alcohol
What coverage and limits a restaurant selects

Restaurants can find out how much a policy that provides the coverage they want will cost by contacting an independent insurance agent. An independent agent is free to compare policies from different insurance companies and thus, can give restaurants an accurate idea of how much a policy with particular coverage will cost them.

How Can Restaurants Get Restaurant Insurance?

For help finding restaurant insurance that will provide your Massachusetts dining establishment with solid coverage, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have helped many establishments find affordable yet robust policies, and they’re ready to assist your restaurant.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

What is Restaurant Insurance?

What Massachusetts Businesses Need a Restaurant Policy?

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