Restaurant Insurance

All restaurants need protection. But not every restaurants needs are the same, and getting the right protection for your needs is key. Arbella  and our agents have deep expertise in the nuances of all restaurant protections, offering you three levels of coverages tailored to your restaurant’s needs. And your agent can guide you with specific a la carte coverages you may need that complement these restaurant packages.

Basic Coverage - Arbella Main Sail Coverage

If you are a Refreshment Stand, Concessionaire, or Delicatessen, our Main Sail Coverage could be just the right option for you. This restaurant-specific coverage is our baseline coverage layered onto a standard Commercial Package Policy at no charge and includes:

  • Accounts Receivable - $25,000 on described premises/$5,000 off premises
  • Arson Reward - $25,000
  • Exterior Signs - $10,000
  • Signs away from the premises - $2,500
  • Money and Securities - $10,000 on premises/$3,000 off
  • Sewer or Drain Backup $10,000
  • And more!

Enhanced Coverage - Arbella Spotlight on Restaurants

Building on Main Sail, the Arbella Spotlight Endorsement offers even more coverages and higher limits for a nominal fee. Diners, Bistros, or Family Style establishments that may need additional coverages and limits can enjoy piece of mind with this enhancement.

  • Brands and Labels - $50,000
  • Fine Arts - $2,500 per Item/$25,000 Total
  • Spoilage Damage – Temperature and Humidity $50,000
  • Food Contamination Cost - $10,000
  • Boil Water Order - $10,000
  • All at a competitive rate!

Comprehensive Coverage - Arbella Edge™ for Restaurants

The comprehensive Edge program is all-in coverage that combines all of the above and much more. If you need increased limits for a broad array property coverages and general liability, then Edge is for you. Edge offers all the coverages of Spotlight and:

  • Peak Season 25% or $100,000
  • Restaurant Wine stock $50,000
  • Extended Business Income 90 days
  • Increased coverage for Damage to rented Premises $300,000
  • Fine Arts increased to $5,000 per item/$50,000 Total
  • Food Contamination Cost increased to $25,000
  • Aggregate Limits per location
  • Product Recall Expense
  • All at a price that can’t be beat!

Remember, whichever restaurant package is right for you, you’ll be supported by Arbella’s Comprehensive Restaurant Loss Control program and our responsive, efficient loss claims process. Your success is paramount and our goal is to keep you up and running in the event of a claim.