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.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
