Customized Risk Programs

Fine Dining Restaurant Insurance

Those who run restaurants are often some of the most passionate business owners, investing time and money to deliver a high-quality experience to their customers. However, the hospitality industry can be unforgiving, and it’s a constant challenge for owners to deliver exceptional food and service while maintaining profitability.

Fine Dining Restaurant Insurance

Why Do I Need Restaurant Insurance?

Cooking can be a hobby, a passion — or for those reading this, a business. It’s one thing to cook in your own kitchen for a few friends. But when you’re a restaurant owner taking on a dinner rush, the chaos can cause frantic decision-making. That’s when things can get dicey. It doesn’t matter whether you run a tiny juice bar or a burger chain, you need a policy that will cover every risk on the menu.

Restaurant disasters may not be on the menu, but bad things are bound to happen. Especially when your kitchen is facing a rush of orders. Here’s a look at just some of the things that can go wrong:

  • You could lose your stuff: Damage or loss of your property, equipment, and inventory.
  • You could be sued: A drunk-driving accident caused by over serving a customer.
  • You could make a mistake: Food poisoning caused by improper handling of ingredients.


Here at First Underwriters, our agents will review your needs and help you evaluate the restaurant Insurance coverage that makes the most sense. We’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place. We will hook you up — in a comprehensive and affordable way.