Restaurant & Hospitality Insurance: Customized Protection for Every Dining Concept
Restaurants come in all shapes and sizes—from fine dining and casual eateries to fast-food chains and franchises. Gatta Insurance crafts tailored insurance solutions designed to meet the unique needs of your restaurant, whether your operations are centralized in a single location or spread across multiple cities or states. We serve small and large accounts alike, creating comprehensive business owner packages that combine essential coverages, enhanced protections, and life insurance solutions to safeguard your business, employees, and customers.
In the restaurant business, virtually anything can happen. Examples include:
Customer slips and falls
Foodborne illnesses or allergic reactions
Kitchen fires
Power outages causing food spoilage
Contaminated food resulting in temporary closure by health authorities
Without proper insurance, these events can quickly escalate into significant financial losses. Gatta Insurance provides the coverage you need to manage these risks and ensure business continuity.
Liability Coverage: Protection against lawsuits from slips and falls, food poisoning, employee misconduct, or customer allergies.
Food Contamination: Coverage for losses due to E. coli, hepatitis, or other contamination events, including cleanup, replacement costs, and medical treatment.
Food Spoilage: Replacement coverage for spoiled food caused by storms, power outages, or refrigeration failure.
Money & Securities: Protection against theft, robbery, forgery, and counterfeit currency.
Lost Income: Coverage for revenue losses due to utility outages or property damage, including unlimited business income and extra expense coverage for up to a full year.
Property Coverage: Glass breakage, outdoor signs, and equipment breakdown.
Optional Coverages: Employee dishonesty, systems breakdown, business continuation, building ordinance/law coverage, employment practices liability, employee benefits liability, low-cost fidelity bonds, and workers’ compensation.
Gatta Insurance also handles business life insurance needs, including:
Key Employee Coverage: Protects your business against the financial impact of losing a key employee.
Simplified Pension Plans: SEP-IRA or Simple IRA solutions for small business owners.
Debt Protection: Ensures debts can be paid upon the death of an owner, preserving business continuity.
Non-Qualified Executive Plans: Deferred compensation, executive bonus, and split-dollar coverage to reward and retain top talent.
Our agents have extensive expertise in the risks unique to the restaurant and hospitality industry, including:
Family-style restaurants
Quick service and fast-food franchises
Fine dining establishments
Dining theaters
Taverns, bars, lounges, and cafés
Coffee shops, bakeries, and pastry shops
Hotel and hospitality operations
Franchise groups and associations
Restaurant premiums are based on:
Building construction type, age, and history
Location and associated risk
Fire and burglary protection
Occupancy class
Gross receipts and seating capacity
Past claims history
Coverage limits and deductibles
Many clients participate in risk management programs, including:
Staff training through approved programs (e.g., Smart Serve)
Written procedures for alcohol service
Activity logs for incidents
Sample House Alcohol Policy:
Monitor entrances and exits, verifying IDs and denying service to intoxicated guests
Offer food and non-alcoholic beverages to encourage responsible consumption
Promote designated drivers
Maintain safe conditions (stairs, floors)
Post house rules for guests
With Gatta Insurance, your restaurant or hospitality business receives a customized, best-in-class insurance program that closes gaps, addresses unique exposures, and ensures you are fully protected against the unpredictable risks of the industry.
