Property, liability, liquor liability and workers' comp for restaurants, cafés, bars and food trucks in Arkansas and Minnesota, shopped across several insurance companies.
Getting a quote costs nothing and commits you to nothing.
Most general liability policies exclude alcohol claims, so you need liquor liability. In Minnesota you show proof of it when you apply for your liquor license. Arkansas requirements vary by licensing authority, so ask us and we will confirm what applies to you. Liquor liability explained.
Basic property coverage does not pay for a cooler that simply breaks down or the food you lose with it. Equipment breakdown and food spoilage coverage do, when they are on your policy. Spoilage and breakdown.
Most restaurant leases set exact insurance terms: limits, additional insureds and waivers. Send us the insurance section of your lease and we will quote a policy that matches it.
Independent restaurants, cafés, coffee shops, pizzerias, food trucks, bars and grills, and new openings. Opening your first location? Bring your lease and your build-out numbers.
Your liability policy extends to protect the landlord for claims arising from your operation. It is standard in restaurant leases. We set it up with the policy and send the certificate your landlord asks for.
Yes. General liability alone will not cover an alcohol-related claim. The premium follows your alcohol sales, so a café selling a little beer and wine pays far less than a bar.
It depends on your sales, payroll, square footage, alcohol sales and the building. We quote several companies and show you the number, with no obligation.
Close. The truck itself needs commercial auto, and the setup differs from a fixed location. Tell us about the truck, the equipment and where you park and serve.
