Restaurant Insurance in Pennsylvania

Also providing restaurant insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is restaurant insurance? 

Everyone who runs a Pennsylvania restaurant knows just how much goes into these businesses, and that investment should be protected. One way to protect that investment is by getting restaurant insurance.

Restaurant insurance policies provide tailored coverage for sit-down restaurants. Policies typically cover a variety of liability and property risks that these businesses face.

What eateries in Pennsylvania is a restaurant policy right for?

Restaurant policies are primarily for sit-down dining, and this is the type of policy most sit-down restaurants in Pennsylvania should have. It usually best meets the diverse needs of these eateries. For example, restaurant policies are often used to protect:

• Upscale and fine-dining restaurants
• Steakhouses and seafood restaurants
• Fast casual restaurants
• Family-friendly restaurants
• All-you-can-eat buffets
• Bistros and cafes

Other types of eateries will likely find that another policy option better meets their needs. Bars probably want bar insurance, food trucks probably need food truck insurance, and so on. An insurance agent specializing in restaurant policies can help businesses find the right type of policy for them.

What kind of restaurant liability insurance do restaurants need?

Restaurants are exposed to several liability risks, where the eatery could be financially responsible for harm or property damage. To meet the varied risks that restaurants face, these insurance policies can offer a few different restaurant liability insurance coverages. Some important ones to consider may be:

• General Liability Coverage: Generally covers common accidents, like slips and falls, that customers or venders might sustain on the restaurant’s premises. Also usually covers defamation and false advertising lawsuits.
• Liquor Liability Coverage: Generally covers risks associated with the serving and sale of alcohol. May cover common accidents involving intoxicated customers, as well as assaults (sexual and otherwise), DUIs after leaving, and alcohol poisoning.
• Product Liability Coverage: Generally covers cases of foodborne illnesses resulting from improper food preparation or handling. May cover severe cases affecting one, several or many customers.
• Umbrella Liability Coverage: Generally covers claims that exceed the limits of other restaurant liability insurance protections, providing an additional layer of security.

What kind of restaurant property insurance do restaurants need?

Restaurants have a range of things that they should insure against damage or loss. This protection is offered through a few different restaurant property insurance coverages:

• Commercial Building Coverage: Normally protects restaurant-owned buildings, along with any outdoor seating area. May also cover a parking lot and any other “improvements” made to the property.
• Commercial Contents Coverage: Normally protects non-fixed equipment and items. For example, dishware, cookware, and appliances might be covered. So too might computers, furniture, decorations and many other things.
• Tenant’s Betterment Coverage: Normally protects enhancements and changes made to a leased restaurant space. May cover both front-of-house and back-of-house build-outs.
• Food Contamination Coverage: Normally protects against the spoilage of ingredients and prepared meals due to specific incidents. For example, may cover spoilage due to fire, lightning, power outage or similar perils.

Do restaurant policies cover special events hosted at a restaurant? 

Many restaurant policies extend their coverage to include any special events that might be held at a restaurant. For instance, it’s usually easy to make sure coverage applies when hosting rehearsal dinners, anniversary parties, holiday get-togethers or corporate events. 

Not every restaurant policy guarantees such coverage, though. To make sure that a policy does, restaurant owners can work with a knowledgeable insurance agent. Someone who knows restaurant policies will be able to confirm that a specific policy covers hosted events, or else help restaurant owners find another policy that does.

Where can restaurants in Pennsylvania find restaurant insurance? 

For help insuring a restaurant in Pennsylvania, reach out to the independent insurance agents at Anthony Acri Insurance Agency. Our agents have worked with many dining establishments, and we’ll make sure you find restaurant insurance that’ll keep yours protected well.