Business Insurance
Coverage that fits how a restaurant or bar actually runs.
From a busy kitchen to a crowded bar on a Friday night, restaurants and bars carry a mix of property, liability, and liquor-related exposures worth reviewing together.
No obligation. Starting a review does not change or bind any coverage.
What's going on
Restaurants and bars have exposures most other small businesses don't: a working kitchen, alcohol service, employees handling cash and hot equipment, and a dining room full of guests every night. If you're opening a new location, adding a bar or patio, or reviewing coverage before a lease renewal, this is where to start.
Why it matters
A restaurant's coverage usually needs to address more than one kind of risk at once — the building and equipment, the liability of serving customers, and, if alcohol is involved, the liability tied to serving it. Missing one of these doesn't show up until there's a claim, which is why it's worth reviewing them together rather than assuming a general business policy covers everything a food and beverage operation needs.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Does your policy address liquor liability?
If you serve alcohol, general liability alone typically does not cover claims related to that service. Liquor liability is usually a separate coverage worth discussing if beer, wine, or spirits are part of your business.
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Is your kitchen equipment covered for breakdown, not just fire?
Walk-in coolers, ranges, and other kitchen equipment fail for reasons that have nothing to do with fire. Equipment breakdown coverage is a separate consideration from standard property coverage.
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What happens if you have to close for a covered loss?
A kitchen fire or plumbing failure that shuts the doors for weeks is a revenue problem, not just a property problem. Business income coverage is worth discussing alongside property coverage.
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Does Missouri require workers' compensation for your staff?
Missouri generally requires workers' compensation coverage once a business has five or more employees. Confirm how that threshold applies to your staffing.
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Are your outdoor spaces covered?
A patio, sidewalk seating area, or outdoor bar adds exposure that's worth confirming is addressed, especially if alcohol service extends outside.
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What does your landlord's lease actually require?
Many commercial leases specify minimum liability limits and require the landlord be named as an additional insured. It's worth checking your lease against what you actually carry.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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A kitchen fire during dinner service
A restaurant in downtown Kansas City had a kitchen fire that closed the dining room for several weeks of repairs. Having business income coverage in place meant the closure was a manageable event rather than a business-ending one.
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An incident tied to alcohol service
A bar in Independence faced a liability claim connected to alcohol served on premises. Because the business carried liquor liability coverage in addition to general liability, the claim was handled under the liquor liability policy.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More business coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.