Direct & Comprehensive Insurance for Food Businesses
Our direct approach to restaurant insurance gives food business owners the clear coverage and fast support they need — without the middleman or extra steps. Whether you own a single location or a multistate operation, get simple, tailored food business insurance from a team that knows restaurant risks inside and out.
Coverage Crafted for Restaurants Like Yours
Our team is experienced with the unique needs of brick-and-mortar restaurants — from neighborhood donut shops to complex, multi-state operations. Experience expert, dependable food service insurance from a team that knows your business. You’ll be right at home if you run:
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Bistros and cafés
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Sandwich and sub shops
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Juice bars and smoothie concepts
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Family restaurants and casual dining
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Coffee shops and bakeries
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Franchise and non‑franchise brands
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And more!
Direct Insurance for Food Service Businesses
Get straight to what matters. With our direct insurance model, you work with one team from quote to claim, so you get fast answers and clear next steps. Expect faster quoting, clearer pricing, and a single team dedicated to the restaurant industry.
TRUSTED BY FRANCHISE OWNERS ACROSS THE NATION
Franchise-Ready Restaurant Insurance
For food business owners that are part of a franchise, we support national and regional brands across restaurant categories — so we understand brand standards, operational pace, and rapid growth. Explore how our franchise experience translates into smoother onboarding and service at scale.
Ready To Request a Quote?
Our application process is straightforward, and our team follows up quickly to walk through options and next steps. Get clarity on your food business insurance cost and how a bundled policy can simplify your day‑to‑day.
Small to Large Food Business Insurance Claims Support
No matter your size, if something happens, you talk to a team that knows the industry and is focused on restoring your operations. Expect clear next steps, proactive updates, and support that keeps your restaurant operations moving.
Restaurant Insights and Food Business Insurance Resources
Understanding Social Inflation and Its Impact on Insurance Rates
As a business owner or franchisee, you understand the importance of protecting your assets through comprehensive insurance coverage. However, with rising insurance rates, it's essential to understand the underlying factors contributing to the increased cost of premiums.
What Is Direct Insurance?
Direct insurance is the modern approach to commercial insurance. This model means business owners work directly with the insurance provider, versus a traditional agent or a broker. The result? A streamlined experience with faster quotes, easier applications, a smoother claims process, and lower prices.
“Open and Obvious” Defense Law in Michigan Slips and Falls Into Line with Most Other States
Many people mistakenly believe that when someone slips or trips and falls, the property owner must compensate the claimant for any injuries simply because the accident occurred on the business’s property¹. However, injured parties actually must prove several legal elements in court before they are entitled to recovery for their damages.
Theft & How To Protect Your Business From It
No business owner wants to think they may be a target of theft or burglary, but unfortunately, these events can and do happen. That’s why it is essential for businesses to have an adequate commercial insurance policy that will cover them if something like this occurs. But what exactly should you look for when it comes to your commercial insurance policy?
Protecting Your Commercial Property During Storms
As a business owner, protecting your property should be one of your top priorities. From Spring storms to Summer downpours, Mother Nature can cause considerable damage to commercial properties if you are not adequately prepared. And, with the unpredictable weather patterns we are currently faced with, it’s more important than ever to know how best to protect your investments from costly damage.
