Restaurant Insurance - Coverages

Sutherland-Scherff Insurance Services can help you customize an insurance plan for your restaurant with property and liability coverage conveniently packaged in one policy. Following are just some of the coverage choices we offer:


Coverage highlights include:
  • Food Service PLUS – Protection against lost income due to food contamination (including restoration, advertising and inoculation expenses), spoilage from power outage, credit card forgery, automatic extinguishing system recharge and cleanup expense.

Buildings including:

  • Automatic inflationary increase of insurance limits
  • Furniture, fixtures, machinery, equipment and stock
  • Permanently installed machinery, equipment, and tanks (including pumps)
  • Special form causes of loss

Business personal property, including:restaurant insurance coverages equipment

  • Automatic inflationary increase of insurance limits
  • Furniture, fixtures, machinery, equipment, and stock
  • Improvements and betterments you’ve made as a tenant
  • Special form causes of loss

Additional coverages include:

  • Lost business income
  • Extended lost business income (60 days can be increased up to 360 days)
  • Extra expenses
  • Equipment breakdown
  • Inside and outside money and securities
  • Backup of sewer or drain water
  • Outdoor signs
  • Valuable papers and records
  • Accounts receivable


Coverage highlights include:

  • Liability from bodily injury, property damage or personal and advertising injury
  • Premises/operation
  • Products/completed operations
  • Liquor Legal Liability
  • Medical payments
  • Automatic “additional insured” status for grantor of franchise or license, lessors of leased equipment, managers or lessors of leased premises, and mortgagee, assignee, or receiver

Optional employment-related practices liability

We will do a thorough job of uncovering all of the exposures so your business is protected properly. Call us today at 888.424.7044 to ask about restaurant insurance!