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Restaurant Insurance

Hot flames, employees rushing around, the threat of food contamination—you face some pretty unique risks as a restaurant owner. We at IR understand this, which is why we created a special mix of policies, endorsements and services your business really needs.

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Your Risks, Our Solutions

Business Insurance from IR Has You Covered

Premises Liability Coverage

If you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your business.

Liquor Liability Coverage

For legal costs and payments if your restaurant is ever named in a lawsuit. (Available for purchase as an additional coverage.)

Data Breach Liability Coverage

If you become legally liable because of accidental release of personal or credit card information in your care.  (Available for purchase as an additional coverage.)

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Equipment Breakdown Coverage

To repair or replace equipment such as machinery, conveyors, telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss IR covers.

Product Contamination Coverage

For lost business income, replacement of contaminated food, sanitation expenses and more.

Workers’ Compensation Coverage

Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability Coverage

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

EVEN MORE COVERAGE

Here are some of the extra ways that coverage from IR goes above and beyond

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1

Sewer or Drain Backup

With your IR Secure Business policy, covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2

Data Breach Response Expenses

To notify and assist affected individuals and provide various case management services.1

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect.

Employee Theft

Earthquake

Covers a loss caused by an earthquake.2 

1 Available for purchase as an additional coverage on select policies.

2 Available for purchase as an additional coverage.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.

Your Local IR Agent

Your independent IR agent is there for you from quote time to claim time to every time in between.

Claims service you can count on

With IR, you have claims service that’s local and quick to respond.

 If you have to file a claim, you can rest easy knowing that IR stands behind its promise of service. IR has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.

Restaurant Insurance Quote

Does your restaurant have the right level of protection? If not, let’s talk.

Ready to get started?

Request a Quote