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Restaurant Insurance Massachusetts

Restaurant Insurance in Massachusetts

What is Restaurant Insurance?

Dining establishments require sizeable investments to open, and those investments that proprietors make ought to be protected. Restaurant insurance policies give Massachusetts dining establishments a variety of protections against possible calamities.

Restaurant insurance policies are specialized commercial policies that are uniquely designed with dining establishments in mind. Most restaurant policies combine several coverages into a single package policy, and the combination of coverages included can often be adjusted to meet a particular establishment’s needs.

What Restaurants in Massachusetts Need a Restaurant Policy?

Most dining establishments should have a restaurant policy in place. In some cases, establishments may have to purchase a policy in order to secure a lease, mortgage, loan or liquor license. Even if an establishment isn’t faced with any such requirements, however, having a policy is often the best way to protect against potentially ruinous disasters.

In addition to traditional restaurants, other businesses that have an eatery might want a restaurant policy for their eatery. This could include grocery stores that have an in-store restaurant, vineyards and breweries that offer food on location, and similar businesses. An insurance agent who’s well-versed in the available types of policies can help determine whether a traditional restaurant policy or another kind of policy will better serve a specific business.

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Restaurant Insurance Massachusetts

What Coverages Are Available Through Restaurant Policies?

Because dining establishments are exposed to many different potential risks, insurance companies offer an array of coverages that can be included in restaurant policies. A particular policies’ optional and standard coverages might include:

  • Commercial Property Coverage, which may cover an establishment-owned building
  • Tenants Betterment Coverage, which may cover improvements made to a leased space
  • Equipment Breakdown Coverage, which may cover failures of essential equipment
  • Food Contamination Coverage, which may cover food and beverage inventory against contamination
  • General Liability Coverage, which may cover common accidents and certain lawsuits
  • Product Liability Coverage, which may cover instances of foodborne illness
  • Umbrella Liability Coverage, which may cover large liability suits

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Do Restaurants Need Liquor Liability Coverage?

Massachusetts dining establishments that serve adult beverages normally need a liquor liability coverage, for coverage is a prerequisite to obtaining a liquor license. Establishments that don’t serve alcoholic beverages generally don’t have to worry about this coverage.

Do Restaurants Need Auto Insurance?

Establishments that offer delivery or catering usually need some form of auto insurance because they have vehicles on public roads. There are two different types of auto insurance, with an establishment’s situation usually dictating which one is more appropriate:

  • Commercial Auto Insurance is typically used to insure company-owned vehicles (e.g. food trucks)
  • Hired and Non-Owned Auto Insurance is typically used to insure non-owned vehicles (e.g. employee cars used for delivery)

Establishments that need auto insurance should talk with an insurance agent who’s familiar with restaurant policies and the different auto coverages options they offer. An informed agent can help determine which of the two options is best for a given situation.

Restaurant Insurance Massachusetts

Is Workers Compensation Included in Restaurant Policies?

Even though most restaurants have employees and need workers compensation, this coverage usually isn’t included in restaurant policies offered in Massachusetts. In the state, workers compensation is normally procured as a stand-alone policy. An insurance agent who helps with restaurant policies also likely can help find a stand-alone workers compensation policy.

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How Can Restaurants Get Restaurant Insurance?

For help finding restaurant insurance that’s tailored to your establishment’s needs, contact the independent insurance agents at Garrity Insurance. Our team has worked with many dining establishments in Massachusetts, and we’re ready to help your restaurant. Our agents will work hard to make sure your establishment gets the coverages it needs and you want.

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