Restaurant: Tabletop Cooking, Fine Dining, and Special Event Venue

This insurance is crucial as it covers bodily injury or property damage claims. In a tabletop cooking setting, there's an increased risk of customers getting injured, such as burns from the cooking equipment.

This covers claims related to food-borne illnesses or allergic reactions from the food served at the restaurant.

This is required in most states and covers medical expenses and lost wages if an employee is injured or becomes ill while working.

This covers the physical building and its contents, including your cooking equipment and furnishings, from perils like fire, theft, and certain weather-related damages.

This coverage can compensate for lost income and cover operating expenses if the restaurant has to temporarily close due to a covered loss, such as a fire or major storm.

This coverage can be particularly important in a tabletop cooking restaurant, where each table has its own cooking equipment. If that equipment breaks down, this insurance could cover the cost of repairing or replacing it.

If your restaurant serves alcohol, this insurance can cover damages and legal expenses if a customer causes harm to others after consuming alcohol at your restaurant.

Also known as "spoilage coverage," this can cover loss of inventory due to power outages, equipment malfunction, or other issues that might result in food becoming unsafe to serve.

If your restaurant offers delivery services, you may need this type of insurance to cover the vehicles used.

This insurance covers bodily injury or property damage claims that could occur on the premises. It can cover costs like medical bills or repair costs, as well as legal costs if your restaurant is sued.

This covers claims related to food-borne illnesses or allergic reactions from the food served at the restaurant.

If your restaurant serves alcohol, this insurance can cover damages and legal expenses if a customer causes harm to others after consuming alcohol at your restaurant.

This insurance covers medical expenses and lost wages if an employee is injured or becomes ill while working.

This insurance covers the physical building and its contents, such as cooking equipment, furniture, and decorative items. This coverage is particularly important for fine dining restaurants, which often invest heavily in creating an upscale decor and ambience.

This can compensate for lost income and cover operating expenses if the restaurant has to temporarily close due to a covered loss, such as a fire or a major storm.

This insurance covers the sudden breakdown of essential equipment, like high-end cooking appliances often used in fine dining restaurants.

Also known as "spoilage coverage," this can cover loss of inventory due to power outages, equipment malfunction, or other issues that might result in food becoming unsafe to serve.

If your restaurant offers delivery services, especially for catering high-end events, this type of insurance covers the vehicles used.

Fine dining restaurants often have valuable recipes or other proprietary documents. This coverage protects these important papers against damage or loss.

If your restaurant accepts online reservations or maintains a database of customer information, this coverage can protect against costs associated with a data breach.

This covers bodily injury or property damage claims that could occur during the event. It also typically includes coverage for advertising injury and personal injury (libel, slander, etc.).

If alcohol is being served at the event, this coverage is crucial. It protects against damages and legal expenses if a guest causes harm to others after consuming alcohol at your event.

This is a specific type of coverage that can cover a variety of risks associated with a special event. It might include cancellation coverage (if the event has to be cancelled due to unforeseen circumstances), damage to rented property (like tables, chairs, or AV equipment), and additional liability coverage.

If your employees are working the event, this insurance is important. It covers medical expenses and lost wages if an employee is injured or becomes ill while working.

If your restaurant is providing catering services or transporting equipment or supplies to and from the event location, this coverage is needed. It covers damages from accidents involving vehicles used for your business.

This covers loss of food inventory due to contamination or spoilage, which could be particularly significant for a large event.