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Restaurant Insurance

If you’re looking for the best restaurant insurance in the United States at an affordable price, Exceed Insurance is your premier destination. We are the leading insurance agency based in Indianapolis and Sacramento. 

Owning a restaurant comes with many responsibilities, including obtaining a robust restaurant insurance policy. Without proper insurance for restaurant business, you would have to pay for costly incidents out of pocket.

What is Restaurant Insurance?

It is a specialized type of coverage designed to protect the unique risks faced by restaurant owners. It typically includes coverage for property damage, liability claims, and business interruption. The aim is to provide financial support in unforeseen events such as natural disasters or accidents.

Insurance for a restaurant business can be a crucial investment to safeguard against the diverse risks inherent in the food business. This crucial support ensures that ongoing expenses, like rent and employee salaries, can still be met even during periods of interrupted operations.

If you need a quote for the same, contact Exceed Insurance Agency. Our goal is to provide you with the best insurance policy for your circumstances. 

Restaurant Insurance Coverage

It typically includes a combination of different types of insurance coverage, such as:

  • General liability insurance: This insurance helps cover third-party bodily injury, property damage, product liability, and advertising injury claims.
  • Property insurance: This insurance helps protect a restaurant’s physical assets, including the building, equipment, inventory, and furnishings, against damages caused by fires or theft.
  • Workers’ compensation insurance: This insurance may help provide replacement income and medical benefits to injured or ill employees due to a work-related incident.

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Food Contamination Protection

Liquor Liability Coverage

  • Business interruption insurance: This business insurance may help compensate for lost income and operating expenses when a restaurant is temporarily unable to operate due to covered events.
  • Spoilage coverage can reimburse the restaurant for financial losses due to food spoilage or contamination.

What Factors Can Impact Business Restaurant Insurance Rates?

Several factors can impact business restaurant insurance rates. It’s important to note that these factors can vary depending on the insurance provider and the specific policy. Here are some of the key factors that can influence the rates:

  • Geographic location
  • Size and seating capacity.
  • If alcohol is served
  • Safety measures
  • Claims history
  • Deductibles and coverage limits
  • Available discounts

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The goal of Exceed Insurance Company is to provide its customers with the best insurance for restaurants. So you can have peace of mind and financial protection in the face of unexpected events

Regions We Serve

East Coast

 Newark
Jersey City
Paterson
Trenton
Elizabeth
Edison

Boston
Worcester
Springfield
Lowell
Cambridge
New Bedford

Mid-Atlantic

Philadelphia
Pittsburgh
Allentown
Erie
Reading
Scranton

Baltimore
Frederick
Rockville
Gaithersburg
Hagerstown
Ocean City

Richmond
Virginia Beach
Norfolk
Newport News
Chesapeake, Alexandria

Southeast

Jacksonville
Miami
Tampa
St. Petersburg
Orlando
Fort Lauderdale

Atlanta
Augusta
Columbus
Savannah
Macon
Athens

Charlotte
Raleigh
Greensboro
Durham
Winston-Salem
Fayetteville

Columbia
Charleston
North Charleston
Greenville
Mount Pleasant
Rock Hill

Midwest

Chicago
Aurora
Naperville
Joliet
Rockford
Springfield

Detroit
Grand Rapids
Warren
Sterling Heights
Ann Arbor
Lansing

Indianapolis
Fort Wayne
Evansville
South Bend
Fishers
Carmel

Great Plains

Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso

Oklahoma City
Tulsa
Norman
Broken Arrow
Edmond
Lawton

Wichita
Overland Park
Kansas City
Olathe
Topeka
Lenexa

West Coast

Los Angeles
San Diego
San Jose
San Francisco
Fresno
Sacramento

Portland
Eugene
Salem
Gresham
Hillsboro
Bend

Phoenix
Tucson
Mesa
Chandler
Glendale
Scottsdale

Mountain West

Denver
Colorado Springs
Aurora
Fort Collins
Lakewood
Thornton

Salt Lake City
West Valley City
Provo
Sandy
Orem
St. George

 Las Vegas
Henderson
Reno
North Las Vegas
Paradise
Sparks

Boise
Meridian
Nampa
Idaho Falls
Pocatello
Coeur d’Alene

Southwest

Albuquerque
Las Cruces
Rio Rancho
Santa Fe
Roswell
Farmington

Exceed’s Restaurant insurance is available for everyone, no matter where you are in the United States.

FAQs:

Absolutely. Exceed Insurance understands that every restaurant is unique, allowing you to customize your coverage to address the specific risks your food business faces.

Exceed’s Restaurant Insurance covers a range of incidents, including fire, theft, natural disasters, customer injuries, property damage and many more.

We provide comprehensive tailored insurance for food business, including property protection, general liability, and specialized coverages like liquor liability and foodborne illness.

Real Client Stories

Customer Feedback

I searched for the best restaurant insurance and found Exceed Insurance. Their team was knowledgeable and helped me understand all my coverage options. I feel secure knowing my restaurant is well protected!
Maria L
May 2, 2024
Finding business insurance for restaurants is tough in Indiana but Exceed Insurance made it easy. They explained everything clearly. I’m glad I chose them for my diner’s coverage.They tailored a policy that fits my needs perfectly. Their customer service is outstanding!
James T
May 30, 2024
I live in NewJersey. Thanks to Exceed Insurance , I now have comprehensive restaurant insurance coverage. They guided me through the process and ensured I understood every detail. I appreciate their dedication to helping restaurant owners like me. Their support has been outstanding.
Sarah H
June 5, 2022
Exceed Insurance offers excellent business insurance for restaurants. I trust Exceed Insurance for our business insurance for restaurants. Their agents helped me decide the perfect coverage for me and made the premium very affordable.
Ahmed K
June 20, 2023
I found the restaurant insurance policy from Exceed Insurance to be exactly what I needed. They provided clear explanations and quick responses to my questions. I am very satisfied with my choice!
Lisa R
August 15, 2024
Exceed Insurance stands out as a leader in restaurant insurance solutions. Their expertise and personalized service make them the best choice for restaurant owners. I trust them completely with my business.
John P
November 3, 2023

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