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Restaurant Insurance

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› Insurance Products › Restaurant Insurance

cooks in the kitchen of a restaurant protected by restaurant insuranceMFE Insurance offers restaurant insurance policies to protect restaurant owners from liability as a result of food safety and storage malpractice, employee negligence, unlawful hiring, and more. By failing to acquire proper coverage, your restaurant may be liable for a variety of lawsuits that may result in total liquidation and loss of various licenses.

Moreover, restaurants that serve both food and alcohol run the risk of added legal repercussions and should be insured with a liquor license. This can protect your restaurant from facing serious charges (financial or otherwise) in the event that a patron causes property damage or injures someone as a result of intoxication.

Restaurant Insurance Policies

Our restaurant insurance policies can be tailored for your restaurants requirements based on your clientele and venue. This ensures that the cost and scope of your coverage aligns with your business’ needs. Learn more about our unique Restaurant Insurance offerings below.

General Liability Insurance

wet floor sign in resturant with restaurant insuranceGeneral Liability Insurance helps protect your restaurant from lawsuits and allegations pertaining to property damage and bodily harm while in or around your restaurant. For example, if a patron slips and falls, or a server spills food and ruins a customer’s dress, general liability insurance will cover these “third-party” claims in the event of a lawsuit. General Liability Insurance also protects against certain claims of slander and libel against restaurant owners, as well as other “general” claims.

General Liability Insurance policies at MFE Insurance cover the cost of investigating claims and defending against third-party lawsuits. This compensates attorney fees, court costs, witness fees, settlements, and court-ordered judgments. The General Liability Insurance policy may also cover an injured party’s immediate medical expenses and the cost of repairing or replacing damaged property.

General Liability Insurance can cover the costs related to claims of:

  • Bodily injury or property damage: in the event of bodily harm (a patron slips and injures themselves) or property damage (a server ruins a patron’s possessions)
  • Reputational harm: for claims of malicious prosecution, libel, slander, wrongful eviction, violation of privacy
  • Advertising errors: in the event of copyright infringement via advertising
  • Medical payments: to cover medical costs if a patron (non-employee) sustains an injury at your restaurant
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Get started today by filling out our Resturant Insurance application form!

Restaurant Application

Product Liability Insurance

Product liability insurance (a subsidiary of General Liability Insurance) will cover you and your restaurant if your food products were to make someone ill as a result of spoilage or other food safety violations.

For example: If salmon was undercooked and accidentally served, resulting in hospitalization for food poisoning, you could face a weighty lawsuit. Product liability insures against these types of claims so that you don’t lose your food license or worse.

Liquor Liability Insurance

If your restaurant distributes or serves alcoholic beverages, you can be held liable if inebriated customers cause injury or damage to property. Liquor Liability Insurance will cover you and your business from claims that occur in the event that a patron injures someone or who incurs property damage as a result of being overly intoxicated.

For example: If a server provides alcohol to an intoxicated customer, who then drives home and causes an accident, you may be held accountable and sued. Liquor Liability Insurance helps protect you and your restaurant from these highly susceptible lawsuits and other alcohol-related incidents.

Assault & Battery Insurance

patron hurt at restaurant which is covered by assault and battery insuranceIf a physical altercation at your restaurant causes a patron to be injured, your business could potentially be held liable for their injuries and medical financial costs. Assault and Battery Insurance can help protect you from claims related to physical altercations between patrons at your restaurant, insuring against claims that you are responsible.

For example: If an argument leads to a tussle (or a full-on dogfight) at your restaurant and someone gets physically injured, they can sue your for damages. Our Assault and Battery Insurance will cover you and your business for the legal fees and settlements associated with these claims (ie, doctor bills, lawyer fees, etc).

Property Insurance

When disaster strikes (such as a fire), many restaurants lack the means to recover, unfortunately forcing them to resign almost overnight. Property Insurance covers your business against damages to your restaurant building and assets due to fire and other covered causes. With Property Insurance, food business owners can insure their business space, equipment and inventory from damages caused by natural disasters, fire, accidents, theft or vandalism, ensuring that they have the resources to reopen in the event of an incident.

Property Insurance policies at MFE Insurance cover business-related property damage that has occurred at your establishment. This includes repairing and replacing damage to your restaurants structure, content, fixtures, inventory, computers and other related hardware, as well as water backup, sewer, or drain damage.

For example: If a fire in the kitchen results in significant property damage, property insurance will pay to replace damaged property, inventory and other accessories, as well as reimbursing your loss of income during the period of restoration.

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Get started today by filling out our Resturant Insurance application form!

Restaurant Application

Automobile Insurance

If you use a vehicle for your business operations, it may not be covered under your personal automobile insurance. Automobile Insurance covers owned and rented vehicles while used for your business. There are two main components to auto coverage, Liability and Physical Damage. Auto Liability covers against bodily injury and property damage done to others, while Physical Damage (comprehensive & collision) covers against theft and damage to the vehicle.

For example: If one of your employees (full or part time) uses a company vehicle and gets in a fender-bender, Commercial Auto Insurance will cover damages to both parties, insuring for medical and financial expenses as for both your employee and the other person(s) involved in the accident.

Workers Compensation Insurance

restaurant employee hurt during shift covered by workers compensation insuranceWorkers compensation insurance, otherwise known as ”workers comp” is a program mandated by the state which provides employees consistent payments to recompense their injury (or sickness) resulting from a work-related accident. The business insurance consultants at MFE Insurance will educate you on the restaurant industries’ specific rules and regulations to ensure that your business is properly covered.

Workers Compensation Insurance will cover the medical costs from the injury or illness, replacement income, costs to retrain the employee, and provide compensation for any permanent injuries. Workers Compensation will also recompense an employee’s family in the event that they (the employee) are killed on the job.

For example: An employee slips and falls behind the bar while working their shift, worker’s compensation will cover their medical bills and the wages they miss while they are recuperating from their injury.

Equipment Breakdown Insurance

For every restaurant, the food is the heart and soul. Of course, cooking requires an expanse of essential machinery, appliances and equipment, from chef’s knives to industrial ovens, to walk-in freezers, blenders and pressure cookers. If any one item breaks down, the restaurant could potentially suffer. In the event of an electrical surge or breakdown, where all or several of your facilities are damaged, your restaurant may not be able to function. For these reasons, Equipment Breakdown Insurance policies will cover all the tools and equipment needed to operate your restaurant in the event of a malfunction or breakdown.

Equipment Breakdown Coverage will cover losses caused by power surges, electrical arcing, short circuits, mechanical breakdown, boiler damage, motor burnout, and operator error. In addition to compensating the funds to replace or repair the damaged equipment, Equipment Breakdown Insurance also covers any losses that are incurred due to the breakdown. This includes business income losses, spoilage loss, expenses incurred to minimize further loss, and expenses incurred to expedite repairs.

Be advised: Equipment Breakdown Insurance does not cover machinery or equipment that has broken down due to age or improper maintenance.

For example: In the event that a power surge fries your walk-in fridge, freezer, ovens and all other kitchen appliances, Equipment Breakdown Insurance will provide the fund needs to replace these items, as well as all other related-losses including those lost due to lost business, food spoilage, and losses to hasten repairs.

Spoilage Insurance

In the event of a sudden temperature change or power outage, “perishable stock” is at risk of spoiling, contaminating it, resulting in a loss of a significant investment. Spoilage Insurance is for these situations, where a lack of sufficient refrigeration causes food to spoil. Spoilage Insurance coverage is imperative for restaurants, considering the high risk of power outages and other electrical malfunctions. Spoilage Insurance will cover all the expenses accrued as a result of food spoilage, including the product itself and the expected loss of business as a result.

For example: If a lightning storm were to knock out our electricity overnight, raising the walk-in fridge temperature to 75 degrees, and spoiling all of your produce, dairy products and meat, Spoilage Insurance would cover the loss of all your food and the loss of business until it was repaired.

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Get started today by filling out our Resturant Insurance application form!

Restaurant Application

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213-266-7990

1019 E. 4th Pl.
Los Angeles, CA 90013
213-266-7990

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Birmingham, MI 48009
313-395-1855

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Google Rating
4.8
MFE Insurance Brokerage
MFE Insurance Brokerage
4.8
Tara Fartemer
Tara Fartemer
13:34 20 Aug 19
I called MFE Insurance Brokerage about car insurance for my son after seeing the reviews on Yelp. (My son is a student in CA and I live in TN.) Payman explained everything in detail and got a great rate for us! I would definitely recommend him to anyone looking for insurance!
Aaron Godfred
Aaron Godfred
16:55 10 Sep 18
MFE Insurance is great. Omaze has demanding and constantly changing insurance needs and MFE is easy to get in touch with, has a great online cert generator and are awesome people to boot! Highly recommend.
Oscar Bucher
Oscar Bucher
05:25 15 Mar 18
Alec Roberts and his team really go the extra mile to ensure their clients receive the proper insurance that is right for their business at the best price with a timely turnaround. They provided same day service - from quote to a full policy with proof of insurance and helped me win bids and develop my business. They are your allies in the insurance world - look no further!
Jon Keeyes
Jon Keeyes
19:21 13 Sep 17
I've worked with many insurance companies over the years for production insurance on feature films. Once I found MFE, I never looked back. Not only is there pricing competitive (and typically better than many other brokers), Alec and his staff are amazing, quick to reply, and fast to assist. And they make all your insurance needs for production run smooth and easy. I couldn't recommend a better broker.
Ashley Rosenberg
Ashley Rosenberg
22:26 24 Oct 17
AMAZING. Never felt like they were giving me BS information, or quotes that weren't necessary for my production. Always informative (explaining in depth what I would, or wouldn't need for certain situations! Claims were seamless, and the team is always responsive. So grateful to have a broker that really is working for my best interest!!
Ian Bell
Ian Bell
18:03 03 Apr 18
Kat and the rest of the MFE team are amazing. Great communication and quick to find the best possible coverage.
Nick Scully
Nick Scully
20:20 29 Nov 18
John Hart was my broker for my first project requiring insurance, and he was incredibly helpful, professional, and patient with a first-timer. Highly recommend MFE and John's services!
Aaron Brown
Aaron Brown
16:25 13 Sep 17
I've been working with Alec and his team for years. They provide our production insurance and throughout the entire process, including a handful of claims, I've always felt informed, supported, and taken care of. Can't recommend MFE enough - these guys are the ones you want in your corner. They know the best insurance policies and will help manage any claims that arise.
Kate Ryan
Kate Ryan
16:50 08 Mar 19
MFE Insurance saved my business money and offered better coverage. We've worked together over the last several years, and have recommended MFE to family and friends. Alec Roberts and his team are always available to answer our questions or requests, and everything is done in a timely manner. We can't say enough about how well we are treated!
Alexander Baker
Alexander Baker
02:17 26 Sep 20
We were looking for last minute equipment insurance for a film shoot and MFE couldn't have been more helpful. John Hart was fantastic and made sure we got our coverage in time! I could not recommend this company more.
Kyle McKee
Kyle McKee
16:28 01 Mar 22
Been a customer for almost a year. Quick and easy to set up and was able to get a much cheaper price than my "good neighbor" insurance.
Cody Michler
Cody Michler
17:26 07 Jun 22
Peter was great! I did have to cancel temporarily but due to pivoting my business in a different direction. If you have niche and need coverage reach out to them! Its hard to find insurance for specific niches but they got it working for me while I was doing more onsite work!
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