We work with niche carriers that specialize in restaurants, bars, and hospitality so you get proper coverage at rates captive agents can't match. We've helped operators save real money while actually increasing their protection.
Most restaurant owners assume broader coverage means higher premiums. In practice, it's usually the opposite. A captive carrier that writes a little bit of everything charges you for risk they don't understand.
We specialize with carriers that live and breathe restaurant risk. The result: smarter pricing, better endorsements, and peace of mind that actually matches your operation.
Whether you run a single location or a franchise group, we line up the coverages that match how real restaurants operate.
Required for compliance, essential for risk management. If you serve alcohol, you need it and we get it done right whether you're a restaurant, bar, or tavern.
ComplianceIf something closes your doors, we don't just cover the downtime. Our carriers reimburse lost revenue and relocation costs so you can reopen faster.
CriticalBuilding, contents, equipment, and signage. Your business owner's policy bundles the essentials at rates that make sense.
Slips, trips, and third-party bodily injury happen. GL keeps a single incident from shutting your operation down.
Front of house, back of house, delivery drivers mandated in most states the moment you hire. We write it with class codes that reflect reality.
When the walk-in cooler, oven, or fryer goes down, this coverage pays for the repair plus any spoiled inventory and lost income while it's fixed.
Our carriers offer specialized endorsement forms designed specifically for restaurants and bars. Big-box captives like American Family or State Farm don't compete here.
Protect your wine inventory collector bottles, rare vintages, and high-value bar stock at true replacement value, not a generic "contents" limit.
Perishable goods protection if your cooler fails, power goes out, or refrigeration breaks down. Covers the actual value of what you lose.
Rent out part of your space for private events, live music, or dancing? We write endorsements that specifically cover these higher-risk activities.
Late-night operations, dance floors, or bar-forward layouts all need specialized coverage. We place it with carriers who actually want the risk.
A proper business income policy doesn't just pay for lost sales during downtime. It keeps you whole while you get back on your feet.
When you can't open, our carriers replace the income you would have earned during the closure period. No guesswork, no lowball offers.
If you need to temporarily operate from a different location to keep serving customers, the additional expense is covered. You don't eat it out of pocket.
Payroll, rent, utilities, and other fixed costs don't stop when your doors do. Business income coverage keeps those lights on while you rebuild.
Chinese, Mexican, Italian, Thai, Ethiopian, BBQ, deli, pizza, sushi, vegan, fine dining, food truck we work with every kind of cuisine and every kind of service model.
Yes, we help franchised locations too.
Restaurants handle a surprising amount of customer data credit card swipes, online orders, reservation details, loyalty sign-ups, and delivery app integrations. A single POS breach or ransomware attack can bring operations to a halt and expose you to notification costs and legal fees. We strongly recommend adding cyber liability to protect the information your customers trust you with.
Tell us about your operation and we'll shop the specialized carriers who actually want your business.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you please review your own policy documents carefully and contact us directly for specifics about your account.