Restaurant

Whether you run a cozy café or a bustling steakhouse, your restaurant faces unique risks every day — from equipment failures to liability claims. At Perry Hunter Hall, we help restaurant owners protect what they’ve built with tailored insurance solutions that keep the doors open and the kitchen running.

Key Coverages for Restaurants

• Property Insurance
  Covers your building, furnishings, kitchen equipment, and more in the event of fire, theft, or other covered losses.
• Spoilage Coverage
  Helps cover the cost of perishable food that’s lost due to equipment failure or power outages.
• Employment Practices Liability (EPLI)
  Provides protection against employee claims such as discrimination or wrongful termination.
• Equipment Breakdown
  Covers repairs or replacement costs for key equipment — like ovens, coolers, or HVAC — when it unexpectedly fails (excluding routine maintenance).
• Workers’ Compensation
  Pays for medical expenses and wage replacement if an employee is injured on the job.
• Business Interruption Insurance
  Helps replace lost income or cover relocation expenses if your restaurant must temporarily close due to a covered event.
• Liquor Liability
  Protects your business if a customer causes injury or damage after being served alcohol at your establishment.

One Policy. All the Coverage.

Many restaurants choose a custom package policy or business owner’s policy (BOP) — bundling essential protections in one convenient and cost-effective plan.

Let’s Get Cooking

We understand the risks that come with running a restaurant. Let our team craft a policy that gives you peace of mind while you focus on serving your guests.