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Running a restaurant is more than a job—it's a labor of love. From perfecting recipes to creating the right ambiance, you're putting your heart and soul into every plate you serve. But amidst the hustle of happy hour and the quiet moments before the dinner rush, there’s one essential ingredient that should never be left out: restaurant insurance.
At Berry Curtis Insurance Agency, we understand the challenges and dreams of restaurant owners just like you. Whether you run a cozy café, a food truck, or a fine dining establishment, we’re here to help protect what you’ve built.
Why Restaurant Insurance Matters
Imagine a kitchen fire halts your service, or a customer slips on a wet floor. Without insurance, these incidents could become financial disasters. Restaurant insurance gives you peace of mind so you can focus on your passion—serving amazing food.
What’s Typically Covered?
Every restaurant is unique, but some coverages are essential for nearly all food service businesses. From general liability to food spoilage, your policy should reflect the full spectrum of risks you face every day.
Who Needs It?
If you serve food or drinks to customers—whether you own a full-service restaurant, food truck, or catering company—you need insurance tailored to your setup. Don’t wait for a surprise to remind you how important coverage is.
Types of Restaurant Insurance Coverage
Here’s a look at the common types of insurance we recommend for restaurants. These coverages work together to keep your operations safe and secure:
| Coverage Type | What It Covers |
|---|---|
| General Liability | Injuries to customers, property damage, and legal costs. |
| Commercial Property | Damage to your building, kitchen equipment, and inventory due to fire, storms, or theft. |
| Business Interruption | Lost income if you have to close temporarily due to a covered loss. |
| Workers’ Compensation | Medical bills and lost wages if an employee gets injured on the job. |
| Food Spoilage | Reimbursement for food lost due to power outages or equipment breakdown. |
| Liquor Liability | If you serve alcohol, this protects you from claims related to intoxicated patrons causing harm. |
| Commercial Auto | Essential if you offer delivery or operate food trucks. |
Common Risks Faced by Restaurants
Every restaurant, regardless of size or style, deals with a unique set of risks. Being aware of these can help you make better insurance choices:
- Slips and falls: One of the most common liability claims.
- Kitchen fires: Even with the best safety practices, accidents happen.
- Foodborne illness: A single outbreak can affect your reputation and revenue.
- Employee injuries: Burns, cuts, and falls are everyday hazards in busy kitchens.
- Equipment failure: A broken fridge could lead to thousands in spoiled inventory.
A Personal Touch for Your Business
At Berry Curtis Insurance Agency, we don’t believe in one-size-fits-all. We get to know your business, your challenges, and your goals. Whether you're opening your first location or expanding your brand, we’ll craft a policy that works for you—without overcomplicating things or stuffing it with things you don’t need.
We’re local, too. That means we understand the community and the specific risks restaurant owners face right here in your area. Have a question? Give us a call at 530-223-0637. We love to talk shop—especially when it comes to food and protection.
Fire Protection and Claims Help
If a fire damages your kitchen or dining room, we’ll be there—helping you file the claim, recover your losses, and reopen quickly. We help you minimize downtime and protect your future earnings.
Employee Safety Matters
Your team is your family. We’ll make sure your insurance covers them if accidents happen on the job—so they’re cared for and you’re protected from lawsuits and lost productivity.
Get Started Today
We know your restaurant is more than just a business—it's your dream. Let us help you keep it thriving with the right restaurant insurance coverage. It's quick to get started and even easier to sleep at night knowing you’re protected.
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