Restaurant Insurance in Keyport, NJ
Restaurant insurance is a type of insurance package catered to businesses in the food & beverage industry. It can cover many types of businesses, including full-service restaurants, fast food restaurants, coffee shops, cafeterias and bars. At Colonial Insurance Agency, we’re here to help restaurant owners find the coverage that will support their operations.
What Policies Are Included? 
A typical restaurant insurance package may include the following policies:
- General liability insurance may help with expenses related to third-party property damage, bodily injury or advertising injury claims.
- Business interruption insurance may cover lost income due to a temporary closure of business.
- Commercial property insurance may cover damage to structures, equipment, inventory and furniture caused by fire, theft, vandalism and other covered perils.
- Workers’ compensation insurance may help pay for employees’ medical bills and lost wages if they are injured in an on-the-job accident. Policies may also cover employers’ legal costs if they’re sued by affected staff.
- Liquor liability insurance may cover damages caused by alcohol-related injuries for which a restaurant is at fault.
Depending on circumstances, you may also purchase additional coverage such as for umbrella liability, food spoilage, employment practices liability and restaurant-owned vehicles.
How Much Do Policies Cost?
The cost of restaurant insurance policies may be based on the following factors:
- Location
- Number of employees
- Prior claims
- Restaurant type
- Policy specifics (e.g., coverage limits, deductibles)
Get Covered Today
Contact Colonial Insurance Agency to learn more about our business insurance offerings or request a personalized quote by filling out the form below.