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RESTAURANT

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SERVING YOU COVERAGE AND PROTECTION

Managing and owning a restaurant is a strenuous feat, not to mention the monumental task of choosing the right insurance. Every restaurant is different and has unique needs, and there is a wide range of risks in the foodservice industry that you can be exposed to. Because of this, it’s important to make sure your business has the coverage it needs without going over your budget.

From liquor liability, to worker’s compensation and commercial auto, we know the restaurant industry, and we have the carrier access to find the coverage you need at the best possible rates.

CoVerica doesn’t go silent after the sale; we’re just getting started! We help you with everything from coverage reviews, certificate requests, contract reviews, claims management, and claims mitigation solutions. Your dedicated account manager and agent truly become part of your team.

We make sure nothing slips through the cracks.

General Liability
Commercial Property
Liquor Liability
Umbrella
Cyber Liability
Business Income
Employee Dishonesty
Workers' Compensation
Commercial Vehicle

OUR DISCOVERY PROCESS

Some agencies just look at your existing policy declarations and make assumptions about what you need. That’s not us. We actively consult with you over several short meetings. We strive to understand your business and unearth any gaps in coverage. Together we’ll figure out where you are today, where you want to be tomorrow—and the right combination of coverage that can help you get there. We also work for you throughout the policy term: reviewing your contracts, assisting you with claims, and ensuring a seamless renewal process. It’s a comprehensive, consultative approach that has earned us long term partnerships with many of the restaurants around the nation, a 97.88% customer satisfaction rating, and winner of the IIABA Best Practices Agency Award seven consecutive years in a row.

Virtually every insurance agency benchmarks a business against industry coverage norms. We don’t stop there. During our consulting process, we review your exposure and your desired budget. We then work with you to understand your risk-tolerance profile and to locate GAPs relative to your risk-tolerance profile, utilizing this insight to construct the optimal policy that’s customized for your business. Our comprehensive approach maximizes the ROI of your insurance spend.

DEEP IN THE HEART OF THE INSURANCE INDUSTRY

Founded in 1983, CoVerica is proud to be a Dallas-based firm. We believe that our friendly, straightforward, Texan-style no-nonsense approach benefits our clients. We serve our clients better because we can take advantage of opportunities that exist outside of Texas. That’s one reason we write policies in 40 states.

Size matters. Our size provides enough insurance markets to compete for your business. Multiple markets allow for competition between various carriers, which allows us to deliver comprehensive comparisons that provide unique solutions to best serve our client’s needs.

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You'll never get that call from us. Never.To avoid surprises, we start early.

One of the biggest complaints we hear about other insurance agencies is that they take a hands-off approach regarding renewals. Many clients don’t hear from their agent until a few days before their renewal date. We don’t do that. As part of our consultative approach, we stay in touch with you from day one. Not only do we assist with claims, review contracts, and provide policy services, we meet with you throughout the year, so that we know what’s happening with your business and any adjustments to your policies that may need to be made to maximize your ROI. And when it comes time to renew, we make sure it’s a painless, simple process—just part of a typical business cycle.

You’ll hear from us 90 days before your policy renewal date. We’ll meet to discuss your needs and the changes in both your business and the insurance environment. This timely approach allows us to go back to market to find other options if need be, and to come to you with a bind-able quote well before renewal, giving you time to make an informed decision.

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