In need of a good, robust restaurant insurance policy for your Virginia restaurant?  Is your current one lacking? We can help!

We’re an independent agency with decades of experience and a deep bench of talented agents.  Since we’re not tied to a particular insurance company, we can put all our efforts into finding the right restaurant insurance policy for your Virginia restaurant, reaching out to leaders in the industry to craft something completely custom that meets your specific needs.

Broadly speaking, a good restaurant policy will include provisions for:

  • General liability, to protect you against the most common customer complaints and lawsuits brought against restaurant owners, including slips, falls, and food-related illness
  • Property liability, to protect your building and physical assets from fire or other damage
  • Food contamination liability, which protects you from loss caused by food spoilage.  Think for a moment about how much money you have tied up in the contents of your freezer, and how painful it would be to have to replace those losses, sans insurance
  • And Workers’ Compensation insurance, which is required by law in most states

These things, however, are just the tip of the proverbial iceberg.  You should consider those to be the minimum necessary elements of any good restaurant insurance policy for your Virginia restaurant.  Some of the other elements you may want to consider including are things like:

  • Vehicle liability, if you have one or more company vehicles
  • Liquor liability, if your restaurant serves alcohol in any form
  • Loss of Business insurance, which protects you against unexpected events that can hurt your bottom line, and aren’t covered by other elements of your policy
  • And Specific Peril insurance.  Not everyone needs this, but if your business is located in an area where a specific peril is likely, and not covered by some other component of your policy, it’s a great, cost-effective addition that will give you added peace of mind

As you can see then, there’s a lot to consider.  The good news is, you don’t have to go it alone. Sit down with a member of our talented staff and talk with us about your needs, goals and aspirations.  We can not only guide you to the “right” restaurant insurance policy for your Virginia restaurant, but also help you in a variety of other ways including:

  • Finding a good group insurance policy for your employees (including life, health, and dental, depending on what your needs are)
  • A full range of personal insurance, including life, health, and auto (we can also find you policies that will cover boats, motorcycles, condominiums, and the like)
  • And we can help with your financial planning and portfolio management

Give us a call today.  You’ll be very glad you did!