Cooking and fire protection
Cooking equipment, hood service, suppression systems, sprinklers and alarms describe how the location controls its largest property exposure.
Restaurant Business Insurance
One restaurant intake for the operating details, property safeguards and liability exposures the current market reviews.
We shop the market for you, no broker fees
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Society Insurance
Restaurants and bars
The Hartford
Restaurant packages
Travelers
Hospitality risks
Markel
Liquor and specialty liability
Great American
Hospitality programs
AmTrust
Restaurant packages
Philadelphia Insurance Companies
Hospitality risks
Kinsale
Hard to place hospitality
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
A restaurant is more than its sales total
A restaurant has a larger story to tell than what appears on the menu board once it is removed from view. Cooking, alcohol, hours, delivery and building protection can change the available route. The form collects those facts together so the broker does not have to rebuild the submission after the first review.
Alcohol and entertainment
Alcohol sales, service hours, live entertainment and access controls affect liability review and the available policy structure.
Building and contents
Construction, year built, equipment, inventory and business income values establish what must be protected at the premises.
Restaurant risks this intake is designed to review
- Full service and limited service restaurants
- Cafes, bakeries and delicatessens
- New ventures and established locations
- Restaurants that serve alcohol
- Locations seeking property and liability coverage together
Coverages that go with it
Business Owners Policy
Property and liability coverage built around the restaurant location and its operations.
Liquor Liability
Liability review for businesses that sell or serve alcohol.
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Restaurant type and cooking operations
- Alcohol sales and service hours
- Building construction and protection systems
- Annual sales, payroll and prior losses
- Property, equipment and business income values
Text us. We're by your side.
Questions we get asked
Why does the form ask about hours and cooking equipment?
Those facts describe both the public foot traffic and the fire exposure. They give the broker a complete baseline submission; individual markets may request documented follow-up details.
Can I start if the restaurant is a new venture?
Yes. The form distinguishes a new venture from an established operation and collects projected sales when prior sales are not available.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
What actually happens after I start a quote?
You answer a short set of questions, and a licensed broker at Menlo reads them, maps your operation to a class, and shops it with the carriers we are appointed with. There is no instant bind and no black box. You talk to a person before anything is quoted.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.