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Insurance for Restaurants

Your patrons have a choice where they take their business.  So do you.  We want your restaurant to thrive.  As an independent insurance agency, we provide an entire menu of restaurant insurance companies.  We shop your policies with them and present options that suit your tastes.  Grow your business by leveraging all the additional tools and resources we offer our clients.

Business Operations

All restaurants are acceptable, including:

  • Family style

  • Fine dining

  • Fast casual

  • Fast food

  • Take-out / Carry-out

  • Cafes

  • Catering

  • Pubs & Bars

  • Bistros

  • Pop-up

  • Food trucks

We Offer

Our restaurant insurance coverages:

  • Property (buildings, contents, business income, extra expense)

  • General Liability

  • Employee Dishonesty

  • Outdoor Signs and Property

  • Equipment Breakdown

  • Spoilage

  • Liquor Liability

  • Employment Practices Liability Insurance

  • Workers Compensation

  • Commercial Auto

  • Directors and Officers

  • all Others

Key Features
What makes us different:

  • Full Menu: Use our buying power to your advantage. Our menu is packed with insurance companies that specialize in restaurant insurance, and we know the strengths of each. We negotiate discounted rates on your behalf.

  • Dedicated Account Management: We provide expertise with prompt, courteous service. Each of our clients is assigned a personal agent and provided their email address and a phone number that rings on their desk. Your service is their top priority. We do not operate a call center.

  • Specialized Claims Unit: The HL Group is your claims advocate with the insurance carriers. We staff claims agents who guide you through the entire process should the unfortunate occur.

  • Predictive Modeling and Analysis: We understand what our restaurant insurance companies desire and will present your company in its best light.

  • Risk Review: We can provide a thorough risk analysis and identify solutions so that you are not caught unaware by a future claim.

  • Specialized Coverages: Protect your business from seasonal increase in lost income should your location be impacted by a claim. Guard against exposure to cyber liability due to leaked or stolen vendor, employee, or client information. We provide solutions for your restaurant risk concerns.

  • Workers Compensation Experience Modification Review: Many businesses overpay for workers compensation insurance due to experience modification computation errors. We will analyze your claims and ensure all is in order.

Enhance Your BUSINESS Protection With Think Twice

With insurance in place, the second half of the equation must involve proactive front of house policies that prove due diligence related to your alcohol service.

The increasing number of successful lawsuits against bar operators suggest much more than state minimums are needed, implement a loss prevention program of substance, The HL Group + Think Twice.

Consistent documentation after an incident can be a cornerstone in the defense of your business. The Think Twice Incident Log Book makes it easy for service teams to complete this task and get back to taking care of customers.

Breathalyzers are used by law enforcement to arrest people, so it makes sense for the public to understand and use this technology as a prevention tool. A Think Twice single-use breathalyzer that does not read above 0.08% BAC, making it perfect for the hospitality industry.

Practical tools to reduce liquor liability for alcohol serving establishments. Learn more about DUI prevention from Think Twice.

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