At Sine Insurance Group, we understand the restaurant industry and the exposures you face on a daily basis – from customer slips and falls to employee burns, equipment breakdown, food spoilage and contamination, business interruption, reputational damage and network security breaches among many other risks. We specialize in protecting restaurateurs like you with a comprehensive and custom restaurant insurance program. Our program can be designed to insure:

  • Diners
  • Family Owned Restaurants
  • Casual Dining
  • Fine Dining
  • Fast Food
  • Bars & Taverns

Comprehensive Restaurant Insurance

Our portfolio of restaurant coverages responds to a broad spectrum of risks. Our professional staff at Sine Insurance Group will assess your establishment, pinpoint any operational vulnerability along with potential gaps in coverage and put together a proposal that addresses your exposures. We will negotiate with our carrier partners to secure the policy that fits your risk profile at a competitive rate. Your policy can be designed to include the following coverages:

  • General Liability
  • Food Borne Illness
  • Pollution Liability
  • Liquor Liability
  • Assault & Battery
  • Products & Completed Operations
  • Property & Contents
  • Personal Effects of Customers
  • Equipment Breakdown
  • Food Spoilage
  • Food Contamination
  • Business Interruption & Extra Expense
  • Crime & Employee Dishonesty
  • Commercial Auto/Hired & Non-Owned Auto
  • Valet Liability
  • Commercial Umbrella
  • Cyber Liability
  • Employment Practices Liability
  • Workers’ Compensation

In addition to protecting your customers and property, safeguarding your employees is equally important. Our five Certified Workers’ Comp Advisors through the organization of Work Comp Professionals are poised not only to secure the workers’ comp coverage you need but we can also help you control your losses and ultimately reduce premiums. We will provide assistance in setting up a safety program to help reduce on-the-job accidents and injuries and get employees back to work as soon as possible. Our staff can also conduct a comprehensive review of all your documents, including your current workers’ comp policy, your experience modification worksheet, payroll audits, and loss-sensitive rating adjustments, to see where we can make improvements and where there may have been problems or miscalculations.

Sine Insurance Group will assist you in helping to minimize employment practices-related claims, as well, including wage and hour disputes that can be costly for your restaurant operation.

In the competitive restaurant industry, you need a specialist that understands the unique risks you face. That specialist is Sine Insurance Group.