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Comprehensive Restaurant Insurance Solutions

Running a restaurant is challenging, with unique risks from food handling to employee management. R&R Insurance Group partners with top carriers, including The Hartford, Liberty Mutual, and Travelers, to offer specialized insurance solutions for restaurants, cafés, food trucks, and franchises. Our custom policies protect every aspect of your business, giving you peace of mind to focus on delivering excellent service.

Why Choose R&R Insurance Group?

Our team understands the unique needs of the restaurant industry and works with you to ensure you have the right coverage for your establishment. From property protection to liability coverages, our partnerships with leading carriers ensure that your business is protected from every angle.

Essential Restaurant Insurance Coverages

General Liability

Our general liability coverage is designed to protect restaurants from third-party claims for bodily injury, property damage, and legal costs. Key features include:

  • Liquor Liability: Covers alcohol-related incidents.
  • Employment Practices Liability (EPLI): Protection from employee claims, including wrongful termination and harassment.
  • Allergic Reactions Coverage: Liability protection for allergy-related incidents.
Property & Business Interruption

For restaurants, property coverage extends to kitchen equipment, furnishings, and inventory, along with coverage for business interruption.

  •  Fire, Theft, Wind & Hail: Protects your premises from major events.
  • Flood & Water Damage: Essential coverage for unexpected water damage.
  • Equipment Breakdown: Covers repair costs for essential kitchen equipment.
  • Food Spoilage: Reimbursement for perishable goods lost due to equipment malfunction or power outages.
  • Loss of Income: Business income coverage to recover lost revenue during closures due to covered events.
Cyber Liability

Restaurants handling customer data or using POS systems face cyber risks, from data breaches to phishing scams.

  •  Data Breach and Ransomware Protection: Covers costs of response, recovery, and legal support.
  • Phishing and Computer Fraud: Ensures protection from cyberattacks.
Payroll Billing

To support your cash flow, we offer payroll billing options with:

  • Zero Down Payment and No Service Fees
  • AutoPay Options to eliminate late payments
  • Minimal Audit Adjustments for accurate, manageable billing.
24/7 Account Access

With My Account, restaurant owners can access policy details, manage payments, and request certificates anytime.

  • Instant Certificates of Insurance
  • Electronic Document Upload for seamless communication
  • Easy Claims Filing
Workers’ Compensation

A must for employee-focused businesses like restaurants, covering:

  • Lost Wages for injured employees
  • Medical Expenses due to workplace injuries
Business Auto Insurance

For restaurants with delivery vehicles or catering services, our Business Auto policy offers competitive features:

  • Accident Forgiveness Program: Maintains your rates if you’ve been claim-free despite minor incidents.
  • Discounts for Safe Driving: Helps lower premiums for maintaining a good driving record.
Serving a Wide Range of Restaurant Types

We offer solutions for various food service businesses:

  • Full-Service and Fine Dining Restaurants
  • Fast Food and Quick-Service Chains
  • Food Trucks and Catering Businesses
  • Bars, Pubs, and Breweries
Protecting Your Restaurant with R&R Insurance Group

At R&R Insurance Group, our mission is to support your restaurant’s success with reliable insurance solutions tailored to your needs. From property and liability to cyber protection, we make sure your business has the essential coverage to thrive.