Restaurant Insurance

When you’re spending your time worrying about staff, inventory, menus and your customers, the last thing you want to worry about is insurance. We understand the commitment you have put into your restaurant and our job is to protect your asset.

At the Cartier Agency we focus on prompt and efficient service, knowing that you want to spend time focusing on your restaurant, not managing your insurance. Through technology investment and continued staff training we have made the insurance process efficient and painless.


Our Restaurant Insurance Coverage Options Include:


Property coverage protects your building and its contents from damage due to a loss. Coverage can include the building and inside contents including fixtures, furniture and valuable restaurant equipment.


Restaurant liability provides coverage for accidents, mistakes or injuries that may occur at your restaurant. This may includes things such as customer’s claim of a broken tooth or illness because the food served at your restaurant was tainted.

Food Spoilage

Food spoilage coverage can help reimburse you for the cost of your lost food and beverages during covered events such as prolonged power outage or equipment breakdown or failure.

Liquor Liability

If your restaurant sells or serves alcoholic beverages, you may be held liable for damages or injuries caused by intoxicated patrons. This can include damages that result from fights, careless behavior or even automobile accidents. Liquor liability insurance will cover your business for personal injuries and property damages for a liability lawsuit.

Workers Compensation

Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. Workers compensation provides coverage for an employees medical expenses and lost time due to an injury while working.


Umbrella liability insurance gives your business additional coverage when a claim exceeds an underlying policy’s insurance limits. Coverage can be extended over coverages such as General Liability and Auto policies in increments of $1,000,000.

Business Income

Business income insurance provides financial reimbursement to a restaurant after a loss and during the period in which the damaged property is being restored and you are unable to operate.

Food Contamination

Food contamination insurance provides coverage for food that may have been mishandled or improperly stored. If a health board shuts down your business after a food-borne illness outbreak, food contamination insurance may help reimburse you for expenses such as replacing contaminated food, required cleaning of equipment and appropriate medical tests.