From dine-in to drive-through, fast food to fancy dining, at CoVerica, we are able to provide your business with a valuable restaurant insurance program that caters to the needs of today’s restaurant owners. By offering quality risk management solutions unique to the industry, the experience of our restaurant insurance division is available to give you a full plate of insurance products & risk management services designed to add value to your business.
Coverage and Protection for Restaurants…it’s what we serve.
We built our focus on the restaurant industry by taking a different approach with our clients. Since every restaurant is different, both in menu and in management, CoVerica prefers to sit with each client and discuss their business and how best to use restaurant insurance and other risk management solutions for restaurants to cover their particular business. This approach, while seemingly simple, usually uncovers that buying an “off-the-shelf” restaurant insurance policy (as most restaurateurs do) is not the best idea but instead, we can modify insurance policies to cover both your concerns and the needs for future growth.
As with any restaurant insurance policy, our comprehensive risk management programs provide coverage for but not limited to:
- Property
- Equipment Breakdown
- Loss Due to Spoilage
- Business Interruption
- General Liability
- Liquor Liability
- Automobile
- Employment Practices Liability
- Umbrella Liability
- Workers’ Compensation
- Employee Dishonesty
- Garage Keeper’s Liability (Valet Parking)
Since CoVerica is an independent agent, not bound to any one provider of insurance, we aggressively market or “shop” your restaurant insurance for you. With access to literally hundreds of carriers and programs, we feel confident that not only will you get the best coverage the market has to offer, but also at a price that fits within your budget.
To top everything off, our final step in preparing a comprehensive restaurant insurance program was to look at service, both reactive & proactive. CoVerica took notice that, throughout the industry, restaurant insurance is purchased and then forgotten about until it either renews or the need to file a claim arises. Not willing to settle for what should be a minimum to be your agent, we provide our client’s with an additional proactive timeline of service that will let you know when and why you’ll hear from us throughout the year. From reviewing operations and safety procedures for your staff to finding additional opportunities to grow your business, you’ll find that these meetings are both informational and profitable.