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Restaurant Insurance

Photo of a table in a restaurantRunning a successful restaurant in Massachusetts is challenging enough without worrying about a kitchen fire, a freezer malfunction, or a customer slipping in the dining room. Let Mackintire Insurance Agency help you find the right restaurant insurance package to minimize your risks so you can focus on running your restaurant.

A typical restaurant insurance policy will include:

  • General commercial property damage coverage for the building and contents.
  • General commercial liability coverage is crucial for restaurants, which see high traffic in customers, kitchen staff and other visitors.
  • Workers compensation insurance is required by Massachusetts state law for all employers and will protect you if an employee is hurt at work.
  • Business interruption coverage can provide for expenses and lost income if you close temporarily after property damage.
  • Equipment breakdown insurance for boilers, restaurant equipment and other kitchen investments may be added if necessary, with many policies paying replacement costs for new equipment.
  • Food spoilage coverage is smart if you are dealing with a large perishable inventory.
  • Liquor liability insurance can help protect you if a customer overindulges.

Whether you run a coffee shop, pizza parlor or fine dining restaurant in Massachusetts, contact a Mackintire Insurance agent to design the restaurant insurance policy that is right for you, so you can focus on your food and your customers.