Coverage that fits where the business actually is — and where it's headed

Most general liability policies specifically exclude alcohol-related claims — liquor liability is the separate coverage that fills that gap. It's what responds when an over-served guest causes harm after leaving, or when something happens between guests on-site. We check that it's actually in place, that the limits fit your alcohol volume, and — as THC-infused drinks show up on more menus — whether your coverage keeps pace with what you're actually serving.

General liability is the base layer for the public — a guest slips on a wet floor, someone trips in the parking lot, and a diner gets sick. It's also what your leases and vendor contracts point to when they demand certificates, additional insured status, and specific limits. We check that your limits fit your actual traffic and that the coverage lines up with everything your landlords and partners require of you.

This is the physical side — your build-out, equipment, furniture, and inventory. Where it gets restaurant-specific is spoilage: if a walk-in fails or the power drops and you lose a cooler of product, coverage depends on how it happened. Most policies quietly exclude an off-premises outage — the storm that takes down a line a mile away — unless you carry the right endorsement. We check that your limits reflect today's rebuild and replacement costs.

When a covered loss shuts you down, this makes you whole on what the closure actually costs — the net profit you would have earned plus the expenses that keep running while you're dark, like rent and loan payments. What matters is what counts as "covered" — it pays only when a covered peril forces the closure, and the things that shut a restaurant down aren't always the ones a standard policy accounts for.

These are your two people coverages: workers' comp for on-the-job injuries, and employment practices liability for employee lawsuits — harassment, discrimination, wrongful termination, pay disputes. As your headcount grows, so does the exposure.

An umbrella sits on top of your other liability policies and takes over when a claim runs past their limits. For a single restaurant that's straightforward, but across a growing group it's also a structuring decision — one well-built umbrella can raise the limits on all your locations at once, and it's often how you meet the higher limits a lease or a lender requires.

As your organization grows — a leadership team, a board, outside investors — the people running it can be sued personally over how the business is managed. Directors & officers coverage protects them personally, for claims general liability doesn't cover. It matters most at the consequential moments — raising capital, a sale, or financial strain — when investors and lenders look hardest at the decisions that were made.

For a restaurant, the real cyber exposure is payment data — every card you run moves through a POS system that's a target. If that data is breached, the costs aren't just cleanup: the card brands can pass down PCI fines and forensic-audit charges, and a standard property or liability policy won't cover any of it. Cyber coverage is what responds.