Protect the Experience You’ve Worked So Hard to Create

Fine dining restaurants operate at a higher standard, and that comes with higher expectations and greater risks. From premium ingredients, fine art, upscale furnishings, and expansive wine collections, your investment goes far beyond your kitchen equipment.

A luxury restaurant like yours deserves world-class insurance. At Aegis Insurance & Financial Services, we specialize in Restaurant Insurance for fine dining restaurants, offering the best in quality, protection, and peace of mind.

Our fine dining insurance programs protect against the specific risks upscale establishments face so you can focus on providing an exceptional dining experience.

Risks That Can Undercut Your Reputation

Your restaurant’s brand depends on flawless execution. The right insurance policies can keep a single incident from ruining that image.

• Property Damage: Fires, water leaks, or vandalism can cause an immediate halt in operations.
• High-Value Equipment & Décor: Specialty appliances, computer equipment, art, and furnishings need additional protection.
• Liquor Liability: Upscale wine and cocktail service increases risk exposure.
• Employee Injuries: Slips, strains, or knife cuts can happen even in the most professional kitchens.
• Business Interruption: Any significant downtime can cause a serious financial impact.
• Guest Claims: Foodborne illness or injury can impact your reputation as well as your revenue. 

We offer restaurant insurance policies that are targeted to reduce risk and protect your business for years to come.

Coverage That Keeps You Serving at Your Best

Our insurance solutions ensure that your upscale restaurant is protected from a wide range of risks and common issues.

• General Liability: Protects against guest injuries or damages.
• Commercial Property Insurance: Covers your space, furnishings, and equipment.
• Liquor Liability: For establishments with curated drink programs.
• Workers’ Compensation: Protects your staff and keeps your business compliant.
• Business Interruption: Maintains income while you recover from covered incidents.
• Equipment Breakdown: For ovens, refrigeration, and climate-controlled wine storage.
• Valuable Items Coverage: Protects high-end décor, art, or rare inventory.

We offer bundled insurance packages that provide a smooth and seamless insurance process so you can work towards achieving your restaurant’s long-term success.

Why Fine Dining Owners Choose Us

What sets Aegis apart is our in-depth experience with insuring high-end restaurants and upscale bars. We understand the unique needs of the industry and customize insurance portfolios that perfectly meet your goals.

• Policies tailored to luxury dining, chef-owned venues, and fine wine programs
• Deep expertise in high-value restaurant coverage
• Local insight from a Texas-based agency
• Support with safety, labor management, and loss prevention strategies
• Fast, professional claims service designed to protect your brand

When you choose Aegis for your coverage needs, you gain a top-tier insurance partner that strives to protect your fine dining establishment with policies you can rely on.

Contact Us Today To Discuss Your Coverage Needs

You’ve built a one-of-a-kind dining experience and Aegis can make sure it stays protected. Fill out our free quote request form on this page to schedule a consultation with one of our restaurant insurance specialists.