From franchises to main street and multi-location eateries, we have been successful insuring it all in the restaurant business. While we don’t insure bars with heavy alcohol sales and late-night live entertainment, we do provide liquor liability for restaurants. We insure many types of restaurants, tourist stops, and fine dining facilities.
We’re familiar with exposures and the amount of risk restaurants create, like the potential for grease-filled fryers to cause fires or the potential for spoilage exposures to cause food poisoning. And we’re familiar with the regulations that buildings must meet, like being up-to-date with fire code regulations and safety protocols. We also help businesses meet these regulations by providing risk management surveys to help clients remedy many of these exposures, and also provide training for staff & managers.
At Trent & Associates, we work primarily (but not limited to) Nationwide, Travelers, and Berkshire Hathaway—Guard to provide you with the most comprehensive restaurant insurance packages available. Working with all the major players for restaurant insurance allows us to compare rates when we provide clients with a quote. It also allows us to ensure that every year at renewal, you’re always getting the best value for your insurance premium. We have service that is second to none, and we make sure you get the most accurate quote and the most reasonable rates possible.
When Trent & Associates agents develop and maintain restaurant insurance policies, they do more than just review clients’ current coverage. Agents and clients go through an in-depth interview process that allows the agent to discover any possible gaps in clients’ restaurant insurance portfolio that we can help address.
Our agency provides standard recommended coverages, including insurance for business personal property, business income and extra expense, spoilage, equipment breakdown, employee dishonesty, money and securities, computers, valuable papers and records, general liability, employee benefits, commercial umbrella, hired and non-ownership auto, and workers compensation.
We also review other coverages clients may want to consider, such as building, accounts receivable, Bailee’s customers, cyber liability, employment-related practices, environmental impairment, liquor liability, garage keepers, and stop-gap liability.
Contact an agent to learn more about how these coverages may benefit you.
Our owner, Jason Trent, gained years of experience in the restaurant industry before starting his insurance career. He knows how overwhelming the day-to-day tasks of keeping a restaurant open can be, so he’s made it his agency’s goal to do as much as possible to help maintain the insurance aspects of restaurant ownership.
The agency distributes quarterly newsletters to all clients about their insurance portfolios, and agents keep in touch with potential changes at least 2-3 times a year, and agents know what changes to look for when helping restaurant owners determine if a coverage update is necessary.
Growing restaurants often need to review their exposures. For example, service expansions, like deciding to provide delivery services, increases exposure and risk, and ultimately require updated coverage.
Our packages are built to accommodate the seasonal increases in business as tourism starts. Our carriers also offer several useful endorsements, including Food Service PLUS and spoilage from power outage coverages. Food Service PLUS provides a variety of coverages, including coverages related to credit cards, theft, food contamination, restoration expenses, and more. Spoilage from power outage coverage provides coverage for perishable stock at the designated premises caused by power outage. Our agents are more than happy to explain all the coverage options available for restaurant owners.
To start insuring your restaurant with someone who knows both the restaurant and insurance business, contact us or request a quote today.