Liquor liability
You serve alcohol, and an intoxicated guest causes harm after leaving. Standard liability will not respond.
Restaurants and Hospitality Insurance
Restaurants, cafes, and bars run on tight margins and high foot traffic. We cover liquor liability, spoilage, and slips before they turn into claims that close the doors.
What we cover
Common exposures in this line of work
Guest injuries
A slip on a wet floor or a burn in the dining room turns into a liability claim.
Spoilage and equipment
A cooler fails and inventory is lost, or kitchen equipment breaks down at the worst moment.
Property and income
A fire or water loss closes the kitchen, and business income replaces earnings while you reopen.
Coverage
Coverage restaurants and hospitality businesses carry
Business Owners Policy
Property and liability packaged for a single location.
General Liability
Customer injury and premises liability.
Commercial Property
Building, tenant improvements, and equipment.
Workers' Compensation
Kitchen and front-of-house staff injuries.
Excess and Surplus Lines
Bars, nightclubs, and heavy liquor exposures standard carriers decline.
Specialty market access
When a standard carrier declines the risk, we take it to the excess and surplus lines markets built for it.
Certificates without the wait
COIs and additional insured endorsements issued quickly, so you never hold up a job, a lease, or a load.
A licensed California broker
You work with a licensed broker who knows this line of work, not a call center reading a script.
Learn more
Related from the Menlo Library
Let us place your restaurants and hospitality risk
Tell us about the operation. We will find the market, standard or surplus lines, that fits it.