Restaurant Insurance Massachusetts

Choice Insurance Agency

Restaurant Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is restaurant insurance?

Restaurants are exposed to a multitude of risks, including everything from kitchen fires to parking lot slips. Having restaurant insurance is an important way for restaurants in Massachusetts to shield themselves from potentially many risks.

Restaurant insurance policies are tailor-made for sit-down restaurants. Policies may protect restaurants from both liability lawsuits and property damage.

Which Massachusetts restaurants need restaurant liability insurance?

Restaurant liability insurance is something that most Massachusetts restaurants should have. A single accident could be financially devastating if no liability coverage is procured. Of course, property coverages to protect a restaurant’s space and equipment are also highly recommended.

The liability and property protections that these restaurant policies provide tend to be particularly well-suited for establishments that offer sit-down dining. For example, policies are often purchased by:

  • Fine dining restaurants, seafood restaurants, and steakhouses
  • Family-friendly restaurants,  buffets, and diners
  • Restaurants serving ethnic foods
  • Cafes, coffee shops, teahouses, and bistros

Food service businesses that don’t have sit-down dining may need many of the same coverages, but will likely find that another policy option works slightly better for them. There’s catering insurance, food truck insurance, and many other policies available.

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Restaurant Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
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What insurance coverages should restaurants look for?

While the exact coverage needs of restaurants can vary some, both property coverages and liability coverages are usually in order. Property coverages normally safeguard assets. Restaurant liability insurance coverages normally protect against lawsuits.

Some examples of property coverages that restaurants, depending on their situation, might want are:

  • Commercial Building Coverage: Often protects a restaurant’s physical premises, including the building, parking lot, and any outdoor seating areas, if the restaurant owns its building.
  • Tenant’s Betterment Coverage: Often protects improvements a restaurant makes to a leased space, usually covering both front-of-house and back-of-house build-outs that the restaurant pays for.
  • Commercial Contents Coverage: Often protects kitchen equipment, dishes, POS systems, furniture, decorations, and other non-permanent items in a restaurant.
  • Food Contamination Coverage: Often protects ingredients and prepared foods against certain causes of spoilage spoilage, such as power outages.

Some restaurant liability insurance protections that restaurants often get are:

  • General Liability Coverage: May protect against common “slip and fall” accidents where a third party is injured, and usually also covers false advertising and defamation.
  • Liquor Liability Coverage: May protect against incidents involving overly intoxicated customers, often including common accidents, fights, sexual assaults, DUI accidents, and alcohol poisoning.
  • Product Liability Coverage: May protect against serious illnesses caused by incorrectly stored or prepared food, and usually also covers food-caused injuries such as choking.
  • Umbrella Liability Coverage: May protect against lawsuits that cost more than the limit of an underlying restaurant liability insurance coverage.

Do restaurants need special insurance when hosting private events?

Many restaurant policies can cover private events that are hosted at a restaurant. Finding coverage for hosting events like major birthday parties, major anniversary celebrations, rehearsal dinners, nonprofit fundraisers, and corporate parties usually isn’t difficult. 

However, not every restaurant policy provides sufficient coverage for these types of events. It’s usually not hard to find coverage, but it’s still important to make sure that a chosen policy has all of the protections that are needed.

An insurance agent specializing in restaurant policies can check how well a particular policy would cover private events held at a restaurant.

Restaurant Insurance Massachusetts

How much are the insurance premiums for a restaurant?

The cost of insuring a sit-down restaurant varies, being affected by factors like size, location, menu offerings, annual sales, and claims history. 

To find out how much insurance will cost in a specific situation, restaurants can work with an independent insurance agent. An independent agent will be able to check quotes from a number of different insurance companies.

Choice Insurance Agency

Where can restaurants in Massachusetts find good restaurant insurance?

If you run a Massachusetts restaurant and need insurance, get in touch with the independent insurance agents at Choice Insurance. Our team will make sure you find the restaurant insurance that your place needs.

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Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.

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