General Liability (loosely defined) is insurance protection from losses caused by negligent acts and/or omissions resulting in bodily injury or property damage to 3rd parties while on the premises of a business. No two policies are alike. Proper protection starts with General Liability, but should not end there.

General Liability policies were never intended to cover all aspects of a business. There are always exclusions to coverage, such as Employers Liability (Workers Compensation), Employment Practices, Liquor Liability, Contractual Liability, Pollution, and so on.

Restaurants have unique exposures that most insurance companies do not want to address. Of those insurance companies that write coverage for restaurants, only a handful understand the industry and know how to underwrite them properly. For you to search for the right company can be a daunting task at best.

Teaming up with the right partner
will allow you to focus on the
operation of your business.