Opening a new restaurant is one of the most exciting and challenging ventures in the hospitality industry. Whether you’re a first-time restaurateur or an experienced operator expanding your portfolio, launching a new restaurant concept requires more than great food and a creative idea. It takes planning, compliance, funding, and a deep understanding of operational risk. […]

Running a small business means making smart decisions every day, especially when it comes to managing your risks and controlling costs. If you own a retail shop or restaurant, you probably need multiple types of insurance, such as Commercial Property, General Liability, and Business Interruption or Equipment Breakdown coverage. Instead of trying to juggle a […]

Protecting Your Employees and Your Business Workers’ Compensation Insurance works by protecting both your restaurant and your employees when a team member gets hurt or sick while on the job. In a busy restaurant, a cook might burn their hand, a server might slip on a wet floor, or a dishwasher could strain their back. […]

Protecting the Place Where Your Business Happens The single biggest part of your restaurant is your physical location, including your outdoor signage, furnishings, appliances, equipment, and décor. Each piece works to make your business unique and welcoming, and all of your commercial property is important to how your restaurant functions. Commercial Property Insurance helps protect […]

Protecting Your Business When You Serve Alcohol If your restaurant serves alcohol, accidents can happen, sometimes with serious consequences. Liquor Liability Insurance helps protect your business if a guest causes injury or property damage after drinking at your restaurant. Even if you follow all the rules, your restaurant could still be held responsible if someone […]

Renovating your business space is exciting, since it gives you the chance to offer a new layout, fresh branding, and better customer experiences. But while you're focused on construction and design, there's one thing that often gets overlooked: your Business Insurance coverage. Whether you're expanding your kitchen, upgrading your fixtures, or doing a full remodel, […]

Simple Protection for Everyday Risks Even with the best staff and safety practices, things can still go wrong. A guest might slip on a wet floor, get burned by hot coffee, or claim they got sick after eating at your restaurant. General Liability Insurance protects your restaurant when accidents happen, or unexpected incidents that can […]

If you own a small business, especially a retail store or restaurant, insurance isn't just a formality. It's your company's financial safety net if disaster strikes. But not all policies cover the same risks. Two of the most important types of Commercial Insurance coverage for business owners are Commercial Property Insurance and General Liability Insurance. […]

A full-service restaurant operates in a high-touch environment where every guest interaction matters. Unlike quick-service or fast-casual options, a full-service restaurant depends on creating memorable experiences through attentive service, atmosphere, and consistency, all while balancing rising costs and operational risks. Here are some of the most common challenges restaurant owners face. 1. Rising Labor Costs […]

Signing a lease for your storefront is a big step, but if you're not careful, it could come with costly insurance obligations you didn't expect. Many restaurants and retail business owners sign commercial leases without fully understanding the insurance requirements buried in the fine print. That mistake can lead to expensive gaps in coverage, or […]