Restaurant Insurance in Colorado
We provide restaurant insurance solutions to businesses in Colorado and beyond.
Restaurant Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc
What is restaurant insurance?
Restauranteurs know all too well what can happen to an eatery. Having restaurant insurance won’t protect against every risk, but it may financially protect Colorado restaurants from a host of things that can happen.
Restaurant insurance offers coverages that are tailored to the unique needs of dining establishments. Policies usually offer multiple property and liability protections for sit-down eateries.
What eateries in Colorado is a restaurant policy for?
A restaurant policy is something that most sit-down dining establishments in Colorado should have. Not insuring could force an eatery to close if something major happens. More specific examples of eateries that might get this type of policy include:
- Fine dining and upscale restaurants
- Seafood restaurants and steakhouses
- Family-friendly restaurants
- Fast casual restaurants
- All you can eat buffet restaurants
- Coffee houses, bistros and cafes
This type of policy usually isn’t the best choice for other food service businesses that don’t have sit-down dining. For example, food trucks, caterers and bars will all likely find another policy option that’s more specifically tailored to their needs.
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“Working with Holly McMillin Insurance Group was incredibly sufficient, easy and a great local business in our small town. The staff members were so helpful and genuine!”
“I have much of my home and auto insurance through McMillin Insurance Group and couldn’t be happier. I recently had to file an auto claim and it was handled very professionally and efficiently, and always executed to my satisfaction. Holly and all her staff are excellent!”
What property insurance coverages are available to restaurants?
Restaurant policies can offer a variety of property coverages that may be important to have. Some of the most notable ones are:
- Commercial Building Coverage: Typically insures a restaurant-owned building, along with outdoor seating areas, parking lots and other structures on the property.
- Commercial Contents Coverage: Typically insures items kept at the property that the restaurant owns. For example, this may cover BOH appliances and storage, FOH furniture and POS system, decor, cooking utensils, dishes and much more.
- Tenant’s Betterment Coverage: Typically insures improvements and modifications that a restaurant makes when leasing its space. Often covers both BOH and FOH build-outs.
- Food Contamination Coverage: Typically insures against the potential spoilage of ingredients and prepared meals. This may cover spoilage caused by fire, lightning, power outage or another peril that a policy protects against.
What restaurant liability insurance coverages are available?
These policies likewise can offer multiple restaurant liability insurance coverages. Some that restaurants might want in their policy are:
- General Liability Coverage: Might apply if a customer or vendor is injured during an everyday accident (e.g. slip and fall). Often also covers defamation and false advertising.
- Liquor Liability Coverage: Might apply if an intoxicated customer is involved in a fight, sexual assault or DUI accident, or if they’re hospitalized for alcohol poisoning. Often protects against allegations that the restaurant overserved the customer.
- Product Liability Coverage: Might apply if there a customer becomes ill because the food/drink they were served wasn’t safely prepared. Often also covers choking and other injuries caused by food.
- Umbrella Liability Coverage: Might apply if a lawsuit exceeds the limits of another restaurant liability insurance protection.
Are special events covered by restaurant liability insurance?
Many restaurant policies offer liability coverage for special events, but this may be optional rather than standard. Coverage for special events isn’t guaranteed, however, and sometimes might not be available through a policy.
Restaurants that need coverage for rehearsal dinners, corporate events, fundraisers, holiday gatherings or similar events should work with an insurance agent who knows restaurant liability insurance well. An agent who specializes in these policies should be able to find an option that provides coverage for the events that a restaurant hosts.
How much does it cost to insure a restaurant?
The premiums charged for insuring a restaurant vary. Factors such as location, building size, foods and beverages served, and any recent insurance claims are just some of the details that can impact what a restaurant pays.
To find out how much insurance will cost for a specific restaurant, owners and managers can work with an independent agent. An independent insurance agent can check policies and rates from multiple companies.
Where can Colorado eateries find restaurant insurance?
If you need help insuring a restaurant that’s in Colorado, contact the independent insurance agents at The DeLuca Agency. Our team will work closely with you to determine coverage needs, and then show you restaurant insurance options that meet your needs. Together, we can make sure your eatery is well protected against property and liability risks.
Get in touch with our team!
For questions or concerns, please contact our independent insurance agents.
CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732
MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500
UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078
Email: steve@delucaagency.com