Restaurant Insurance
Restaurant Business Insurance & Risk Management
As a bustling industrial center at the crossroads of rail and river travel, our region has enjoyed a long, rich history in the hospitality industry: restaurants, taverns, inns, diners, and various other food service establishments give character, warmth, and memories to our neighboring communities. Gilbert’s Risk Solutions has been proud to serve the hospitality industry for more than seven generations.
Since our earliest days in business, we’ve taken pride in serving restaurants and all facets of the food service industry — eat-in or carry-out, a single family-owned location or a multi-state chain, a diner, a deli, or a drive-in, casual or gourmet. We’ve partnered with owners to protect the business, and some restaurants we’ve worked with for several generations.
Risks Unique to Restaurant Operations
Restaurants face a distinct mix of exposures: foodborne illness liability, liquor liability, slip and fall claims, equipment breakdown, fire, and employee theft.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Restaurant Insurance Coverage Solutions
Insurance is the financial mechanism to help protect your business, but risk management is the real secret sauce that helps prevent potential losses. We’ll help by identifying your exposures, building a plan to mitigate them, and recommending the right coverage for your unique business — whether that’s a Business Owners Policy (BOP), a Restaurant Insurance package, or several standalone policies.
Other Restaurant Coverage Options:
- Commercial General Liability Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Workers’ Compensation (mandatory)
- Business Interruption
- Liquor Liability
- Food Contamination
- Excess Liability
- Back Up of Sewers or Drains
- Food Spoilage & Contamination
- Cyber Liability Insurance
Liquor Liability for Restaurants and Bars
If your establishment serves alcohol, liquor liability coverage is essential — it protects against claims arising from alcohol-related incidents, including situations where an intoxicated patron causes harm to themselves or others after leaving your establishment.
Commercial Restaurant Insurance for Every Concept
Whether you’re running a quick-service counter or a full-service dining room, commercial restaurant insurance needs to flex around your specific operation — not a one-size-fits-all package.
Our Goal Is Timely Claim Management to Optimal Resolution
Serving the general public comes with a plethora of risks, from slips and falls and food poisonings to damaged or lost property. Your premises face risks too, from kitchen fires and burglaries to storm damage and vehicle accidents, and your employees can be injured on the job — that’s before accounting for cyber attacks, reputational risk, and business interruption. It’s not easy to juggle these risks, and that’s where Gilbert’s Risk Solutions excels. Our goal is to be your outsourced risk management partner and help you focus on what you do best.
Tailored Solutions
We want to put the right plan in place for your unique business needs. We understand the restaurant and hospitality industry and the risks you face. As part of our risk assessment process, we’ll advise you of vulnerabilities we identify, help you put risk management measures in place, and assist you in finding the right insurance vehicle to protect you should a problem occur.
360 Degree Approach
We take a 360-degree view of your business to ensure all aspects are secure. Our team of experts in Loss Control, Employee Benefits, HR, and training are all available to our commercial clients, ensuring multi-pronged risk mitigation.
Our RISK SHIELD® Process
Gilbert’s Risk Solutions takes a consultative, risk management approach to your business. We start by getting to know you and your unique challenges. Our proprietary RISK SHIELD® Process identifies the extent of your establishment’s exposures and puts a loss control plan in place to mitigate them. Often the solution is an insurance product, but frequently it’s a recommendation for a business process or security measure that reduces an exposure.
CONSULT
DESIGN
BUILDING
MAINTAIN
Restaurant Business Insurance FAQs
General liability typically covers bodily injury claims, including some foodborne illness situations, but coverage specifics vary by policy — it's worth reviewing with your advisor to confirm the extent of protection. Learn more about our General Liability Insurance.
Requirements vary by state, but many jurisdictions require or strongly recommend liquor liability coverage for any establishment serving alcohol, given the potential for third-party claims tied to intoxication.
Business interruption coverage helps replace lost income and covers ongoing expenses if a covered event, like a fire or storm, forces a temporary closure.
Workers' compensation is mandatory for restaurant employees in most states and covers medical costs and lost wages for job-related injuries, common in a fast-paced kitchen and dining environment. Learn more about our Workers' Compensation Insurance.
