Restaurant Insurance

Restaurant insurance is a type of business insurance that provides coverage for many different scenarios specific to restaurants. It typically includes general liability, property damage and loss of income protection, as well as additional coverage options such as liquor liability, cyber liability, and employee dishonesty.


Restaurant Insurance Basics

While policies will vary from store to store, there are several key protections usually offered in a restaurant policy that provide the following types of coverage:

  • General Liability: This type of insurance helps protect restaurants from lawsuits due to physical injuries or property damage caused by their employees, products, or services. This protection also includes legal expenses and any settlements that may result from a liability claim.
  • Property Damage & Loss of Income: If your restaurant experiences an interruption in business due to fire, vandalism, or other covered peril, these insurance policies can help you recover lost income and pay for repairs.
  • Liquor Liability: If your restaurant serves alcohol, this type of coverage is essential. It helps protect you from lawsuits arising from the sale or service of alcohol to an intoxicated person who then causes injury or property damage.
  • Cyber Liability: This protection helps guard against loss due to a data breach or other cyber attack.
  • Employee Dishonesty Coverage: This coverage helps protect you from financial losses due to employee theft, fraud, or dishonesty.

In addition to the above protections, there are a host of optional coverage choices that restaurants can add to their policy, such as inventory insurance or food spoilage coverage. It’s important to discuss your specific needs with an insurance agent so that you can get the right coverage for your restaurant.

By investing in the right restaurant insurance policy, you can gain peace of mind knowing that your business is protected if something unexpected occurs.

Getting Help with Restaurant Insurance

If you have questions about your restaurant coverage, our team can help. Call us or click on the quote button for a free consultation and we can provide you with the information you need to make informed choices on keeping your store protected.

What customers say about superior service...

Latonya Broadie
Latonya Broadie
Great customer service....and affordable
Response from the owner: Thank you for your positive feed back Ms. Latonya, we're glad to have you as our customer and to see that you're enjoying Pegram Superior Insurance Agency..
Johanna Lopez
Johanna Lopez
All the staff are very professional and helpfully, the insurance rates are very competitive and they have many options to choose.
Response from the owner: Johanna Thanks for taking the time to write this review; it means a lot to us! PS: If you ever need help with Renters Insurance, Home Insurance, Business Insurance, please don't hesitate to reach out; Pegram Superior Insurance is here for you!
Chrystal Rankin
Chrystal Rankin
Every time I call everyone is always helpful and nice with their service
Mario Medina
Mario Medina
La señorita Nicole Fue muy amable y paciente ayudándome obtener seguro para mi casa. Viene a esta oficina porque también tengo mis autos asegurados con ellos . Muy bien servicio y me explico lad coberturas de mi póliza .
Catracho Melgar
Catracho Melgar

106 B W Arrowood Rd
Charlotte, NC 28217

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