LOCAL RESTAURANTS
With quick coverage, you can receive discounts of up to 25%.
Choose your primary coverage to get started:
General Liability
Worker's Compensation
Commercial
Property
Business Owner's Policy
Other
Coverages
Bonds
LOCAL RESTAURANTS
With quick coverage, you can receive discounts of up to 25%.
Choose your primary coverage to get started:
General Liability
Worker's Compensation
Professional Liability/E&O
Commercial Auto
Tools & Equipment
Commercial Property
Business Owner's Policy
Bonds
Customized Local Restaurant Insurance Designed for Your Business
GravySpoon Insurance offers comprehensive insurance solutions tailored specifically for retail businesses. Whether you require a certificate of insurance for leasing a commercial space or need workers' compensation coverage for a new employee, we have you covered. Our insurance options are designed to meet the needs of brick-and-mortar stores, online businesses, and Amazon third-party sellers.
And here's an added benefit: When you choose to bundle two or more of our policies, you can enjoy a 10% discount, helping you save on your insurance costs.
Customized Local Restaurant insurance designed for your business
Gravy Spoon Insurance offers comprehensive insurance solutions tailored specifically for retail businesses. Whether you require a certificate of insurance for leasing a commercial space or need workers' compensation coverage for a new employee, we have you covered. Our insurance options are designed to meet the needs of brick-and-mortar stores, online businesses, and Amazon third-party sellers.
And here's an added benefit: When you choose to bundle two or more of our policies, you can enjoy a 10% discount, helping you save on your insurance costs.
Custom Policies for Food Service Professionals.
Distributors, Catering, Restaurant Owners, Hotels, E-commerce, Contractors, Hotels, Entertainment, Food Trucks, Cloud Kitchens, Restaurant Franchises
Why Do Local Restaurant Businesses Need Insurance?
Business insurance provides comprehensive protection against a diverse range of unforeseen events and accidents, encompassing scenarios such as employee injuries or collisions involving your commercial vehicles.
Local restaurant businesses need insurance for property protection, liability coverage, business interruption, liquor liability, workers' compensation, cyber liability, and employee theft or fraud. Insurance safeguards assets, covers legal expenses, provides financial stability during interruptions, protects against reputational damage, ensures employee welfare, and mitigates cyber risks. It enables businesses to focus on growth with peace of mind.
How Food Trucks Liability Insurance Protects Your Business
Local restaurant liability insurance is essential for business protection in various ways. It covers bodily injuries, property damage, and product liability claims, ensuring that medical expenses, legal fees, and settlements are covered. For restaurants serving alcohol, liquor liability coverage protects against alcohol-related incidents. The insurance also includes legal defense, offering financial support for lawsuits. Moreover, liability insurance safeguards the restaurant's reputation by demonstrating preparedness and responsibility. With this coverage, restaurant owners can focus on providing excellent service, knowing they are protected from financial losses, legal liabilities, and reputational harm.
General liability insurance serves as the foundation for business insurance coverage for retail business owners. With a high volume of daily customer traffic, it's not difficult to envision scenarios where you might be held responsible for incidents such as a customer slipping on a wet floor or sustaining an injury due to a product malfunction.
How Much does Local Restaurant Insurance Cost?
When you get retail business insurance with GravySpoon, you can receive savings that can save you up to 25%. Your specific payment will be based on:
Size, location and coverage limits of the restaurant
Specific risks associated with the business
The number and types of vehicles you use at work
Your payroll and the kinds of jobs our employees do
Why do Local Restaurant businesses need insurance?
Business insurance provides comprehensive protection against a diverse range of unforeseen events and accidents, encompassing scenarios such as employee injuries or collisions involving your commercial vehicles.
Local restaurant businesses need insurance for property protection, liability coverage, business interruption, liquor liability, workers' compensation, cyber liability, and employee theft or fraud. Insurance safeguards assets, covers legal expenses, provides financial stability during interruptions, protects against reputational damage, ensures employee welfare, and mitigates cyber risks. It enables businesses to focus on growth with peace of mind.
How Food Trucks liability insurance protects your business
Local restaurant liability insurance is essential for business protection in various ways. It covers bodily injuries, property damage, and product liability claims, ensuring that medical expenses, legal fees, and settlements are covered. For restaurants serving alcohol, liquor liability coverage protects against alcohol-related incidents. The insurance also includes legal defense, offering financial support for lawsuits. Moreover, liability insurance safeguards the restaurant's reputation by demonstrating preparedness and responsibility. With this coverage, restaurant owners can focus on providing excellent service, knowing they are protected from financial losses, legal liabilities, and reputational harm.
General liability insurance serves as the foundation for business insurance coverage for retail business owners. With a high volume of daily customer traffic, it's not difficult to envision scenarios where you might be held responsible for incidents such as a customer slipping on a wet floor or sustaining an injury due to a product malfunction.
How much does Local Restaurant insurance cost?
When you get retail business insurance with Gravy Spoon, you can receive savings that can save you up to 25%. Your specific payment will be based on:
Size, location and coverage limits of the restaurant
Specific risks associated with the business
The number and types of vehicles you use at work
Your payroll and the kinds of jobs our employees do
There’s a Lot to Love about GravySpoon
Get insurance in less than 10 minutes and you can save up to 25% in discounts*
Unique, flexible coverage with easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Other Important Business Insurance Coverage for Local Restaurants
Liability insurance is an excellent place to start when trying to ensure your protection, but you may also tailor your business insurance to cover your staff, your vehicles, and your property.
We typically recommend:
Workers’ Compensation
Workplace injuries are more common than one might assume, particularly in your industry. Workers' compensation insurance for retail businesses provides valuable support by assisting with the payment of medical expenses for injuries and illnesses sustained by you or your employees while on the job. In addition to covering medical bills, workers' comp can help compensate for lost wages during the recovery period, such as when an employee accidentally drops a heavy box on their foot while restocking shelves.
It is important to note that workers' compensation coverage is mandatory for businesses with employees in all states except Texas. This requirement ensures that employees are adequately protected in the event of work-related injuries or illnesses, promoting a safer work environment and providing financial security for both employers and employees.
Commercial Auto
In most states, if you own vehicles that are titled to your business, it is necessary to have commercial auto insurance. While personal car insurance cannot be applied to your company car, you can utilize a commercial auto policy to insure your personal vehicle if you use it for business purposes. For example, if you use your personal car to deliver foods to customers, it is unlikely to be covered under your personal car insurance policy. Therefore, it is important to obtain appropriate commercial auto insurance to ensure that your business vehicles are adequately protected.
Commercial Property
For local restaurant business owners who own or lease physical spaces, having property insurance is crucial. This type of insurance provides protection for business equipment, inventory, and furniture. In the event of damage to your business property caused by covered events like a burst water pipe or fire, property insurance can assist with the costs of replacement or repairs. By having property insurance, retail businesses can safeguard their valuable assets and ensure that they can recover and resume operations in a timely manner following an unexpected incident.
Other important business insurance coverage for Local Restaurants
Liability insurance is an excellent place to start when trying to ensure your protection, but you may also tailor your business insurance to cover your staff, your vehicles, and your property.
We typically recommend:
Workers’ Compensation
Workplace injuries are more common than one might assume, particularly in your industry. Workers' compensation insurance for retail businesses provides valuable support by assisting with the payment of medical expenses for injuries and illnesses sustained by you or your employees while on the job. In addition to covering medical bills, workers' comp can help compensate for lost wages during the recovery period, such as when an employee accidentally drops a heavy box on their foot while restocking shelves.
It is important to note that workers' compensation coverage is mandatory for businesses with employees in all states except Texas. This requirement ensures that employees are adequately protected in the event of work-related injuries or illnesses, promoting a safer work environment and providing financial security for both employers and employees.
Commercial Auto
In most states, if you own vehicles that are titled to your business, it is necessary to have commercial auto insurance. While personal car insurance cannot be applied to your company car, you can utilize a commercial auto policy to insure your personal vehicle if you use it for business purposes. For example, if you use your personal car to deliver foods to customers, it is unlikely to be covered under your personal car insurance policy. Therefore, it is important to obtain appropriate commercial auto insurance to ensure that your business vehicles are adequately protected.
Commercial Property
For local restaurant business owners who own or lease physical spaces, having property insurance is crucial. This type of insurance provides protection for business equipment, inventory, and furniture. In the event of damage to your business property caused by covered events like a burst water pipe or fire, property insurance can assist with the costs of replacement or repairs. By having property insurance, retail businesses can safeguard their valuable assets and ensure that they can recover and resume operations in a timely manner following an unexpected incident.
Frequently asked questions about Local Restaurant insurance
What do I need to get an insurance quote online?
Our streamlined process makes it quick and easy to find the insurance coverage that suits your needs. When you initiate an insurance quote, we'll gather some essential information about your business. This will include details such as the services you offer, the location of your office or intended work area, the number of employees you have and their respective salaries, as well as the quantity and types of vehicles you utilize for your work. By asking these fundamental questions, we can provide you with a tailored insurance solution that aligns with your specific business requirements.
How does the claims process work with GravySpoon Insurance?
As a policyholder, you have the convenience of filing a claim at any time through our website. Simply visit our website gravyspoon.com and navigate to the "About us" tab, where you'll find the "File a claim" option. After submitting your claim, you can expect a prompt follow-up call from our team to discuss the details and assist you further.
If you are not currently a policyholder with us but need to file a claim against one of our policyholders, you can visit our website at gravyspoon.com. Under the "Support" tab, select "Help Center" and then choose "Not a policyholder and want to file a claim?" from the options provided. This will guide you through the necessary steps to initiate your claim.
We encourage you to visit our online help center, where our support team is available to provide further guidance and support.
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© 2023 GravySpoon
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. GravySpoon Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.