Protect Your Business Against Future Uncertainties and Losses with Customized Coverage
Restaurant business involves unique challenges and risks, including food contamination, injuries from fights, violence sustained by witnesses, etc. All these may lead to liability lawsuits, demanding costly settlements, so protecting your restaurant with the best possible coverage is important. GrayStone Insurance Group is committed to providing comprehensive insurance solutions with customized coverage to restaurants across the entire United States from the West to the East Coast.
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We Offer Commercial Restaurant Insurance Solutions to Save Your Bottomline
Irrespective of how well-prepared your restaurant is, unfortunate events can still happen. However, our extensive commercial restaurant insurance will cover you against any unforeseen liability.
We provide the following policies under our commercial restaurant insurance:
General Liability Insurance
It protects your restaurants against claims of:
- Bodily injuries (for example, if someone slips and falls inside your restaurant or gets sick because of contaminated foods)
- Property damage (if you or an employee accidentally damage someone’s property)
- Lawsuits (if you are sued for causing third-party injuries/damages)
Liquor Liability Insurance
Restaurants that sell, make, serve, or distribute alcohol may be held legally liable for:
- Causing or contributing to a person’s intoxication
- Serving alcohol to an underage person
- Infringing liquor ordinance or regulation
However, with our customized liquor liability insurance, we can protect your restaurants against such liabilities while paying for:
- Medical bills
- Legal costs
- Repair costs
- Settlement or attorney fees
Products-Completed Operations Insurance
It protects your restaurant from liability claims resulting from your:
- Product (food)
- Completed operations (for example, if a customer buys food, takes it home, and falls ill after consuming it )
Assault and Battery Insurance
Your restaurant may be a hotspot for confrontations, mugging, or arguments that can quickly escalate into possible injuries to those involved and others in the general vicinity. As a restaurant owner, you may be held liable for such incidents. However, our assault and battery insurance will cover such damages and the resulting financial losses.
Workers’ Compensation Insurance
Our personalized workers’ compensation insurance will protect your restaurant against losses and lawsuits emanating from workplace injuries (falls, slips, overexertion, cuts, and scrapes). It covers:
- Medical expenses
- Disability expenses
- Lost wages
- Death benefits
EPLI (Employment Practices Liability Insurance)
Covers your restaurant against employee claims and lawsuits such as:
- Harassment
- Wrongful termination
- Discrimination
- Failure to promote and other misconduct
Umbrella / Excess Liability Insurance
It covers your restaurant against claims (physical injury, property damage, and lawsuits) exceeding the coverage limits of your standard insurance policy.
Hired and Non-Owned Auto (Delivery) Insurance
It protects your rented vehicles or your employees’ vehicles (used to pick up supplies or deliver food) against at-fault accidents. It pays for:
- Medical bills
- Property damage
- Defense costs
Commercial Auto (Owned Auto) Insurance
This policy includes several coverage options to protect your restaurant-owned vehicles in the event of accidents. These include:
- Bodily injury/ property damage coverage- pays for losses incurred by third-parties
- Medical payments or personal injury coverage- covers medical expenses incurred by you or the other driver
- Collision coverage- covers damages sustained by your vehicle during an accident
- Uninsured/underinsured motorist coverage- pays for damages incurred in an accident with an uninsured or underinsured driver
Restaurant Recovery Insurance
Whether your restaurant is temporarily closed or has incurred devastating financial losses due to malicious tampering or accidental food contamination, we will cover you! Our restaurant recovery insurance covers:
- Loss of income due to interruption
- Brand name rehabilitation costs
- Incident expenses
- Recall costs
- Crisis management advice
Protect more than just your business with GrayStone Insurance!
At GrayStone Insurance Group, we focus on writing all-inclusive policies for high-risk and hard-to-place businesses, with restaurants being our specialty. With our knowledgeable insurance professionals and expertise in the insurance business, we offer unmatched protection to your restaurants against several potential mishaps. We always prioritize commitment and honesty in our services, advising clients on the coverage they need.