Restaurant Insurance
One Comprehensive Policy for Restaurants & Bars
Running a restaurant is no easy task, but worrying about your insurance shouldn’t be on your plate. With a customized policy that covers everything from your building to your team, we’ve got you covered, so you can focus on what matters—serving up great food and experiences.
What we cover
No two restaurants are alike, and that’s why you need coverage that fits just right. Here’s what a comprehensive policy typically includes:
Business Liability
Required for most businesses. Covers property damage and bodily injuries.
Commercial Property
Protect your business’s property. From theft to damage, we’ve got you covered.
Commercial Auto Coverage
Safeguard your drivers and vehicles. Covers accidents, theft, and injuries.
Professional Liability
Errors & omissions (E&O) coverage to shield against claims of negligence and more.
Workers' Compensation
Keep your team safe with coverage for work-related injuries.
Umbrella Insurance
Extra protection when you need it most, with liability limits from $300k up to $5M.
Why The Ford Agency
Restaurants are full of moving parts—and risks. With one comprehensive policy, you can rest easy knowing your business, team, and customers are protected. We make insurance simple, so you can get back to what you do best: running your restaurant. Don’t wait until it's too late. Request a custom quote and get the peace of mind that comes with having the right coverage for your restaurant.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
