Restaurant Insurance in Massachusetts

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Restaurant Insurance in  Massachusetts

What is restaurant insurance?

Running a restaurant in Massachusetts involves navigating a myriad of risks, many of which your restaurant should insure itself against. Restaurant insurance is an important part of ensuring your restaurant’s ability to survive even when things go wrong.

Restaurant insurance policies are tailored to meet the unique needs of eat-in dining establishments. The range of coverage options within these policies is broad and can be customized.

Restaurant Insurance Massachusetts
Restaurant Insurance Massachusetts

Which Massachusetts businesses should get a restaurant policy?

Most eat-in restaurants in Massachusetts can benefit from a restaurant policy. This is usually the most cost-effective way to insure a traditional restaurant.

This doesn’t necessarily extend to other types of eateries or food service businesses. For instance, food trucks, bars and caterers are all likely to find other policies better meet their particular risk mitigation needs.

What types of restaurant liability insurance coverages are in restaurant policies?

Restaurant policies offer a variety of liability coverages, which primarily protect against incidents where a business might be financially responsible for another party’s harm. Policies typically include restaurant liability insurance coverages such as:

  • General Liability Coverage: This could protect against common accidents, like “slip and fall” accidents, occurring within the premises of the restaurant or its parking lot.
  • Product Liability Coverage: This could protect against illnesses that arise from the mishandling of food and beverages before they’re served to customers.
  • Liquor Liability Coverage: This could cover accidents and certain other incidents involving patrons who have been overserved alcohol.
  • Umbrella Liability Coverage: This could offer additional protection for high-cost lawsuits that exceed the limits of other restaurant liability insurance coverages.

What property insurance coverages do restaurant policies provide?

A range of property coverages is also available for restaurants. Some of the more common property-related protections that are typically offered include:

  • Commercial Building Coverage: This may protect buildings and other structures owned by the restaurant.
  • Commercial Contents Coverage: This may protect equipment and other items, often including things like POS systems, tables, art decor, refrigerators, freezers, kitchen shelving and more.
Restaurant Insurance Massachusetts
  • Tenants Betterment Coverage: This may cover improvements made to the kitchen and dining areas of a restaurant that leases its space.
  • Food Contamination Coverage: This may protect against spoilage or contamination of ingredients, prepared foods, and beverages.

Restaurant owners and managers should review all policy coverages, including both restaurant liability insurance protections and property protections, with an insurance agent specializing in insuring restaurants.

What type of auto coverage do restaurants need to have?

Restaurants that utilize vehicles for their daily operations need to ensure they have the correct auto insurance. This includes everything from personal cars used for sourcing ingredients, to box trucks used for area deliveries. The type of auto coverage required largely depends on how the vehicles are used:

  • Owner’s Vehicle: If the owner’s vehicle is used for purchasing ingredients from grocery stores, the owner’s personal auto policy may be sufficient. Have a knowledgeable agent check the owner’s policy options and other policy solutions.
  • Delivery Drivers: If employees use their personal vehicles for deliveries, hired and non-owned auto insurance may offer the necessary liability protection for the restaurant. If an online platform is used for deliveries, this or any other additional auto coverage probably isn’t necessary.
  • Delivery Trucks: If the restaurant owns a truck used for deliveries, a commercial auto insurance policy is likely needed. 
  • Food Truck: Restaurants operating a food truck may require a food truck insurance policy, which could cover the truck itself and other risks associated with this component of the business.
  • Catering: Restaurants that cater off-site might require a catering insurance policy, which could cover vehicles used for catering and other associated risks.
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How can Massachusetts eat-in restaurants get a restaurant insurance policy?

To protect your Massachusetts restaurant, reach out to the independent insurance agents at Platinum Insurance. Our team is ready to assist you with finding a restaurant insurance policy that provides solid protection at an affordable rate.