Deep Expertise in Food & Beverage
Restaurants are one of the most complex small-business risks an agent can write. Grease fires, liquor exposure, employee turnover, spoiled inventory, delivery liability — our team has spent decades placing this coverage and knows which carriers excel for which concepts. That means better pricing, broader coverage, and fewer surprises at renewal.
Coverage Tailored to Your Kitchen
Property & Contents
Buildings, kitchen equipment, furniture, and inventory protected from fire, theft, and storm damage.
General Liability
Slip-and-fall, foodborne illness, and third-party injury claims covered.
Equipment Breakdown
Walk-ins, ovens, fryers, and HVAC repaired or replaced fast — with spoilage coverage.
Workers' Compensation
Burns, cuts, and back injuries covered for your kitchen and front-of-house teams.
Liquor Liability
Required in most states if you serve alcohol — we secure the right limits for your venue.
Hired & Non-Owned Auto
Coverage for delivery drivers, catering vehicles, and employee errands.
Every Type of Restaurant, Every Licensed State
No matter your concept or where you operate, FIG can place coverage across all 26 states we're licensed in.
Real Claims We See in Restaurants
The exposures unique to food service — and the policy lines that respond when they happen.
Grease fire takes out the line
A flare-up in the hood damages the suppression system, equipment, and ceiling. Average loss: $35K–$150K plus 2–6 weeks of business interruption.
Over-served guest causes a crash
State dram-shop laws can hold your bar liable hours after the last pour. Settlements regularly exceed $250K — uninsured exposure can end an operation.
Slip on a wet floor
A guest falls near the host stand and claims a back injury. Medical-only payouts average $20K; litigated cases can reach six figures.
Walk-in cooler fails overnight
Compressor dies on a Saturday — $8K in inventory plus emergency repair. Equipment breakdown with spoilage endorsement makes you whole.
Line cook burn injury
Burns and lacerations are the #1 kitchen injury. WC covers medical + lost wages and keeps you compliant with state mandates.
POS skimmer + payroll fraud
Card-data breach notifications and employee theft are both common — and both excluded from standard restaurant property policies without an endorsement.
Liquor Liability, Done Right
If you serve, sell, or even allow BYOB on the premises, you have liquor exposure. Dram-shop statutes vary dramatically state to state — and most general liability policies exclude alcohol-related claims entirely.
- ✓ Limits matched to your average ticket and alcohol percentage
- ✓ Assault-and-battery sublimits where available
- ✓ TIPS / ServSafe training credits applied
- ✓ Special-event and off-premise catering endorsements
Licensed in 26 States
We write restaurant insurance in every state we're licensed in — coast-to-coast hospitality coverage from one agency.