Dynamic coverage designed around your business
Your one-stop solution for restaurants and hospitality insurance needs
LIQUOR LIABILITY
If your business deals with the production, trade, or sale of alcoholic substances, it is vitally important you’re protected against liabilities with quality liquor liability insurance.
GENERAL LIABILITY
Ensure your business stays operable and profitable in the face of any liability claim, whether you’re a boutique hotel, fine dining restaurant, or large bakery.
PROPERTY INSURANCE (INCLUDING WINDSTORM!)
Be confident your property and physical assets are completely covered should they be stolen, damaged, or destroyed due to theft, windstorm, fire, or other natural disasters.
BUSINESS INCOME
INSURANCE
Have peace of mind knowing no income nor expected revenue will be lost should your business property become unusable for a period of time due to a fire or other disaster.
FLOOD INSURANCE
This specialty coverage will protect your property against the financial costs incurred by flooding damage due to rising water and storm surge.
UMBRELLA & EXCESS LIABILITY
Umbrella & Excess coverage provides an extra layer of protection on top of your other policies (such as liquor liability, general liability, or commercial auto) to ensure your business is thoroughly covered where it’s most needed.
EQUIPMENT BREAKDOWN
Should you experience equipment- or machinery-related breakdowns or accidents, this pragmatic coverage will give you confidence knowing your business is protected.
SPOILAGE COVERAGE
If you serve or store food, protect yourself from the financial losses incurred when forced to throw out perishable stock that’s damaged due to equipment failure or power outage.
POWER OUTAGE COVERAGE
Reduce the stress associated with power outages and quickly recover your losses should your business operations and property be negatively affected.
ASSAULT AND BATTERY COVERAGE
If your establishment serves alcohol, employs a security team, or has a lot of foot traffic it’s vital you protect yourself against confrontations that occur on your property with the right conflict coverage.
COVERAGE FOR OFF-PREMISES EVENTS
Accidents are an especially poignant risk during special events off-premises where you have less control — coverage for off-premises events will provide the essential protection.
PRODUCTS/COMPLETED OPERATIONS COVERAGE
Protect your business against claims resulting from food-related illness by ensuring you’re covered whether the food you sell is consumed on-premises or elsewhere.
HIRED AND NON-OWNED AUTO (HNOA)
If you rent or borrow vehicles for business use, HNOA insurance is a necessary and wise investment that will help you avoid costly lawsuits caused by accidents.
COMMERCIAL AUTOMOBILE
Whether you’re a hotel with a shuttle service, a bakery with retail drop-offs, or a restaurant with delivery services, commercial automobile coverage will protect your vehicles and employees from the unexpected.
WORKERS’ COMPENSATION
Workers’ Compensation Insurance will help to protect your business against costs associated with medical bills and lawsuits if one of your employees suffers onsite injury or illness.
Additional Services
CLAIMS HANDLING
Our knowledgeable claims team is dedicated to making the claims process easy and straightforward so you can have peace of mind when you need it the most.
RISK MANAGEMENT SERVICES
We offer personalized risk management services designed to assess risk, mitigate hazards, and proactively strengthen your business against losses.
There’s no need to navigate your insurance options alone.
Let us help with dynamic plans tailored to fit your unique needs.
GET PEACE OF MIND
ABOUT YOUR BUSINESS COVERAGE
We Make It Easy To Get The Right Coverage.
STEP 1.
Contact us to discuss your needs.
STEP 2.
We’ll create a customized plan completely tailored to cover your unique concerns.
STEP 3.
Enjoy peace of mind (with less hassle) knowing you have the right coverage.
Full protection at your fingertips.
You’ve worked hard to get your business where it is today — you should be able to easily protect it. We know it can be difficult to navigate the world of insurance plans, and even more challenging to feel confident that you’re fully covered.
Not anymore.
Now you can get full coverage (including wind insurance and liquor liability) in one, complete package, tailored specifically to your business’s need.
HAVE CONFIDENCE ABOUT YOUR COVERAGE.
Specialized plans for the hospitality industry, serving:
What Makes Us Different?
We know each business faces unique challenges when it comes to what kind of coverage they need — that’s why we don’t push ill-fitting, one-size-fits-all solutions that leave you under-protected or over-spent.
Instead, we listen to your concerns and use our specialized expertise and access to exclusive products to design a perfectly tailored plan that will give you the right coverage for your business.
Surviving The Fire: Mary’s Pizza Shop
The fire at Mary’s Pizza Shop is a perfect example. Mary’s was a popular establishment bringing in consistent revenue. After a particularly busy shift one evening, a team member forgot to remove and wash a bucket of greasy rags left by an electric heating vent. Overnight, they combusted into a violent fire destroying the majority of the building and the equipment held within. The total property loss incurred was $60,000.
Luckily, Mary’s Pizza Shop was protected with the right coverage for their risk. Not only that, the owner’s policy included Business Income Coverage, so none of their expected revenue was lost during the time it took to repair and reopen.
And reopen they did — bigger and busier than ever.
CSpecialty is here to help you find the best fit for you.
