Insurance for Restaurants in New Jersey and Other States
It is a challenge to properly insure any business. Restaurants, however, come with the added complication of food service, transportation and delivery, alcohol, and many other challenges unique to the industry. Based in New Jersey, Muller Insurance has over a century of experience and works with restaurant owners in multiple states. Our knowledgeable team is standing by to help you secure the quality restaurant insurance your business needs.
Restaurant Coverage Types
The right policy for your restaurant will include quality baseline coverages that are considered essential for any establishment. Basic restaurant policies include:
- Business insurance: This insurance package combines coverage for income loss, unexpected expenses, sewer backups, general liability, equipment breakdown, and property damage into one convenient policy for businesses.
- Workers’ compensation: Mandatory in most states, workers’ compensation insurance is essential in case an employee becomes injured or ill while working.
- General liability: Obtain coverage against lawsuits for damages resulting from food illness, mishaps, or theft on your premises.
Depending on the size of your business and the services and products you offer, other policies should be considered as well, including:
- Commercial auto: If your restaurant delivers food or offers catering services, commercial auto insurance will protect the vehicles owned and used by your business.
- Liquor liability: If you serve alcohol, invest in liquor liability insurance to protect you from lawsuits when intoxicated patrons cause damages to others.
- Fine arts: This optional policy becomes essential if you decorate your restaurant with fine art, antiques, or other valuable items that should be protected against damage.
- Employment practices liability: This kind of coverage protects you when employees sue for discrimination, harassment, or other workplace torts.
- Umbrella: An umbrella policy offers extra coverage beyond the limits of your general liability and commercial auto policies and may cover additional claims.
| Business insurance | This insurance package combines coverage for income loss, unexpected expenses, sewer backups, general liability, equipment breakdown, and property damage into one convenient policy for businesses. |
| Workers’ compensation | Mandatory in most states, workers’ compensation insurance is essential in case an employee becomes injured or ill while working. |
| General liability | Obtain coverage against lawsuits for damages resulting from food illness, mishaps, or theft on your premises. |
Depending on the size of your business and the services and products you offer, other policies should be considered as well, including:
| Commercial auto | If your restaurant delivers food or offers catering services, commercial auto insurance will protect the vehicles owned and used by your business. |
| Liquor liability | If you serve alcohol, invest in liquor liability insurance to protect you from lawsuits when intoxicated patrons cause damages to others. |
| Fine arts | This optional policy becomes essential if you decorate your restaurant with fine art, antiques, or other valuable items that should be protected against damage. |
| Employment practices liability | This kind of coverage protects you when employees sue for discrimination, harassment, or other workplace torts. |
| Umbrella | An umbrella policy offers extra coverage beyond the limits of your general liability and commercial auto policies and may cover additional claims. |
Policies We Offer
As an independent company, Muller Insurance offers policies from numerous providers to help your business acquire the coverage it needs. These providers include the following premier names in the insurance industry:
The Andover Companies
Policies from The Andover Companies offer quality coverage for business owners, including general liability, property damage, loss of income, and equipment breakdown.
Chubb
For restaurants and businesses in the food industry, Chubb provides specially tailored policies with a variety of coverage types to protect your establishment from every possible situation it could face.
Plymouth Rock
Offering a variety of coverage tailored for small business needs, Plymouth Rock protects your liability from lawsuits due to covered events, possessions, and your restaurant’s space.
Travelers
Travelers offers a broad range of coverage types to choose from, including small business coverage, employee compensation, and cyber insurance for company websites.
Choose Muller Insurance
Muller Insurance has been providing insurance to restaurants in New Jersey and beyond for over a century. We’re familiar with the challenges of restaurant insurance, and we’re dedicated to overcoming them with the personal level of care and attention only a local company can provide. We’ll work with you closely to help you navigate the complexities of restaurant insurance so you purchase the right policies for you. To learn more about our policies, contact us today for a free quote.
