Restaurant Insurance

Looking for Restaurant Insurance in Georgia?

We’ve got you covered!  Owners Heath and Julie Patterson have decades of restaurant insurance.  Heath Patterson has insuring restaurants for over 13 years and Julie Patterson grew up working in restaurants and even sold to restaurants when she worked for Sysco and Performance Food Group(PFG).  Alpha & Omega Insurance is a member of the Georgia Restaurant Association or the GRA.  We have the carriers to ensure restaurant owners have the best coverage at the best price.

Bar Insurance

Owning your own business is hard enough as it is right? Between the schedule managing, staff coming down with the mysterious sickness of the quarter, and especially unhappy customers.

We sadly can’t resolve the issues listed above but we can resolve an issue you might not even have thought of yet.

Liability Coverage for your Restaurant

Picture this, you have a customer who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy.

Not only does your customer suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit.

See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected from the “what if”

Restaurant Liability Policy Components

There are multiple “components” that make up a solid Restaurant Insurance policy. Different companies may offer these as a “bundle” while with others they are a la carte.

General Liability Insurance is crucial component of Restaurant Insurance

General Liability is crucial insurance for restaurants.  One of the most prevelant claims for restaurants are slip and falls.  If you own a restaurant, youu must have sufficient general liability limits in your businessowners policy.  This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury, and others that can potentially come up if you are found negligent.

Workers Compensation Coverage

Alpha & Omega Insurance specializes in restaurant insurance
Alpha & Omega Insurance specializes in restaurant insurance

Workers’ Compensation protects the employer, in Georgia, if you have 3 or more employees, you must have work. comp. insurance.  In most states if you have employees then this isn’t even a question do I want this? This is a must to be able to employ staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of the cost of injuries to an employee. Some examples of this can be things like:

  • Injury at Work
  • Disease caused by the work environment

In most cases an incident would need to take place while the employee is at the place of employment, however, it would be best to discuss with your local independent insurance agent on more of a case-by-case basis.

Loss of Income Insurance

Restaurant Insurance
Restaurant Insurance

What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.

This is where Loss of Income Insurance is imperative. This coverage would allow you to have a “backup” plan in the event you were unable to generate an income due to a covered loss.

Property Damage

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage for these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on property it is important to check with your independent insurance agent.

Crime and Vandalism Coverage

This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

Here are a few examples of clients we work with and make sure their business is protected:

  • Local Restaurants
  • Food Trucks
  • Catering Companies
  • Food Delivery Restaurants
  • Ice Cream Trucks
  • Bars
  • Cafeterias
  • Local Diners

The list can go on and on.  Liquor Liability, Employment Practice Liability, spoilage, and many more coverages are crucial for restaurants.

So how do you know if a restaurant liability policy is a good fit for your business?

We always would recommend you call a local independent insurance agent like us and discuss your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.

How to get started

The process of getting a Restaurant Insurance quote is simple. You can either call us directly or click over to our Quotes page to give us a little more information about your situation and needs.

Either way, we’ll make the process easy!

Please complete the form below for a quote.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Alpha & Omega Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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