Restaurant Insurance

You followed your passion for food and business by developing your restaurant operation. As a restaurant entrepreneur you know you have many ingredients needed to run a successful business. However, all your hard work, careful planning and marketing can be sabotaged if you get caught overlooking a critical ingredient by exposing your restaurant to unneeded risks inherent in any restaurant business such as food spoilage, fire damage, and employee or customer injuries, onsite. Safeguard your business and your future by investing in the right restaurant insurance policy to suit your particular business.

  1. Are you sure your restaurant is not paying too much for your insurance coverage?
  2. Are you sure your current policy covers your particular needs—not just a “canned” group of overlapping riders?
  3. Would you bet your future on it?

We will help you be sure of your insurance protection! We’ve worked with over 100 locally owned restaurants right here in Western New York, and we’ve found a lot of problems with the way their existing restaurant insurance was setup.

Who needs restaurant insurance?

  • Bar Insurance
  • Café Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Pizza Restaurant Insurance
  • Tavern Insurance
  • Brewpub Insurance

Some restaurants require specialized coverages, and we can help you navigate the issues facing the type of business that you own or wish to create.

What’s covered in a restaurant insurance policy?

There are typically three important areas when making a solid restaurant insurance plan. These coverages include:

  • Business Owners Policy (BOP)
  • Worker’s Compensation Insurance
  • Business Crime Insurance

You can customize your restaurant insurance based on the features of your business. If you have a bar, a delivery service, a large storage facility then you need more than just a general business policy.

Worried about the cost?

We specialize in covering restaurants just like yours.

 We have everything you need right here, including:

  • Monthly payment options 
  • Temporary staff coverage
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Events coverage 

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact Putnam Record Agency today, and we’ll help you protect what matters most.