The restaurant and hospitality sector operates within a high-velocity ecosystem—where service, regulation, and risk intersect in real time. Every guest interaction, every plate served, and every operational decision carries measurable exposure.
At Gatta Insurance, we don’t sell insurance—we engineer tailored risk architecture for the world’s leading culinary and hospitality brands. Whether you operate a single Michelin-level establishment or a national franchise portfolio, our frameworks integrate property, casualty, financial, and reputational protection into a unified system that preserves continuity, profitability, and brand equity.
Guest injuries and premises liability
Foodborne illness, contamination, and allergen exposure
Kitchen fires and mechanical or electrical failure
Power outage and perishable spoilage
Regulatory shutdowns or adverse health rulings
Employee theft, cyber intrusion, or liquor liability
Supply chain disruption or franchise system risk
We anticipate what others overlook—and design for resilience when the unpredictable occurs.
General & Liquor Liability – Comprehensive protection from bodily injury, product, or alcohol-related claims, including defense expense and punitive-damages extensions.
Property & Equipment Breakdown – All-risk coverage for buildings, tenant improvements, refrigeration, cooking equipment, and utilities with business interruption built in.
Food Contamination & Spoilage – Reimbursement for decontamination, disposal, product recall, and crisis-management costs following contamination or outage.
Business Income & Extra Expense – Sustained revenue and expense protection for up to 12 months, including contingent business-interruption from supplier failures.
Crime & Financial Fidelity – Theft, forgery, and cyber-fraud coverage structured around POS and reservation systems.
Employment & Management Liability – Employment Practices, Directors & Officers, Fiduciary, and Wage & Hour defense protection for owners and executives.
Workers’ Compensation & Employers’ Liability – Statutory coverage with experience-mod analysis and integrated safety incentive programs.
Optional Enhancements – Ordinance or Law, Cyber Liability, Brand Rehabilitation, Utility Interruption, Environmental Liability, Earthquake/Flood, and Fidelity Bonds.
Our integrated life and continuity programs protect leadership, liquidity, and key talent.
Key Person & Buy-Sell Funding to stabilize operations following loss of critical personnel.
Debt & Succession Planning ensuring liquidity for ownership transitions.
Executive Retention Plans including deferred-compensation and bonus structures for elite hospitality talent.
Simplified Retirement Solutions (SEP & SIMPLE IRAs) for privately held operators.
Fine and casual dining groups
Quick-service and franchise chains
Taverns, cafés, and cocktail lounges
Bakeries, coffee houses, and dessert concepts
Hotels, resorts, and mixed-use hospitality assets
Breweries, distilleries, and event venues
Franchise networks and hospitality associations
Premium structure is derived from:
Construction class, fire protection, and geographic exposure
Liquor ratios, cooking hazards, and occupancy type
Gross receipts, payroll, and seating capacity
Prior loss performance and safety programs
Coverage limits, retentions, and catastrophe modeling
Every placement is actuarially optimized to stabilize long-term cost of risk while enhancing insurability.
We embed prevention into every program. Gatta’s Hospitality Risk Control Division implements training, audit, and governance systems that qualify clients for superior pricing and claim performance:
Certified alcohol-service training (Smart Serve, TIPS)
Formal House Alcohol Policies and ID verification
Incident logging and safety documentation
Slip-and-fall mitigation protocols
Fire suppression and equipment-maintenance compliance
Crisis and emergency communication planning
Every Gatta program is engineered to achieve one outcome: operational certainty.
We combine financial intelligence, legal precision, and underwriting mastery to deliver institutional-grade protection for the restaurant and hospitality economy.
We don’t just insure venues—we safeguard experiences, balance sheets, and brands.
Gatta Insurance — Where Hospitality Risk Meets Insight, Strategy, and Control.
