The Following Hospitality Businesses: Family Style Restaurant Insurance Fast Food Restaurants Insurance, Fine Dining Restaurant Insurance,Bed & Breakfast Inns Insurance,Bowling Alleys,Bingo Halls,Drive-in,Country Inns Insurance ,Coffee Shops Insurance,Catering Companies Insurance,Pubs & Bars,Taverns,Swinger Club,Night clubs,Exotic dancers,Cabarets,Hotels, Motels, Resorts and Karaoke Clubs,will have Boiler and Machinery exposure because they rely heavily on refrigeration equipment to store food and keep it from spoiling.

Heating and air conditioning equipment will also need coverage for breakdowns.

Typically, a restaurant will have $25,000-$50,000 worth of food in stock. If there is an electrical failure there may be significant food spoilage.

The risk of death from fire will be an important exposure for a restaurant.

Slips, trips, and falls occur commonly. (Slips, trips and falls may result from floors made slippery by spilled food or liquid)

Liability exposure to your restaurant from waiters or waitresses who may spill hot dishes or beverages on patrons, causing burns or damaging the patrons’ clothing. A patron may choke on food while in the restaurant.
Product Liability exposure because of the high risk of food poisoning which is due to the increased outbreaks of food borne illnesses such as Escherichia coli (E.coli) and salmonella. Allergic reactions to foods can also lead to claims.