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Restaurant Insurance

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Coverage Built for the Realities of Food Service

Running a restaurant comes with constant motion, tight margins, and unique risks that standard business insurance often overlooks. From kitchen hazards and employee injuries to customer liability and property damage, restaurants face exposures every day. For restaurant owners across Brunswick County, the right insurance program helps protect your operation, your staff, and your reputation. We help restaurants secure coverage that reflects how they actually operate — not generic policies that leave gaps.

INDUSTRY-SPECIFIC PROTECTION

Restaurant Insurance Coverage That Fits Your Operation

  • General Liability Insurance

    Protects against slip-and-fall incidents, food-related claims, and third-party injuries occurring on your premises.

  • Commercial Property Coverage

    Covers kitchen equipment, furnishings, inventory, and build-outs against fire, theft, and covered storm damage.

  • Workers Compensation Insurance

    Provides coverage for employee injuries, including burns, cuts, slips, and repetitive-motion injuries common in food service.

  • Liquor Liability Insurance

    Essential for restaurants that serve alcohol, protecting against claims related to alcohol-related incidents.

  • Business Interruption Coverage

    Helps replace lost income and cover ongoing expenses if your restaurant is forced to temporarily close due to a covered loss.

BUILT FOR FOOD SERVICE

Restaurants We Support

We tailor coverage to your menu, staffing model, hours of operation, and customer volume. We work with a wide range of food-service businesses throughout Brunswick County and surrounding coastal communities, including:


  • Independent restaurants and cafés
  • Bars, taverns, and breweries
  • Fast-casual and quick-service restaurants
  • Coastal dining establishments and beach-area eateries
  • Restaurant owners opening new locations
  • Established restaurants reviewing or upgrading coverage
LOCAL INDUSTRY INSIGHT

Experience That Goes Beyond the Policy

We understand the pressures restaurant owners face — from staffing challenges to equipment downtime and seasonal fluctuations. Our process starts with understanding how your restaurant runs, where your risks are highest, and what coverage is required by landlords or lenders. As an independent agency, we compare restaurant insurance options from multiple carriers to find coverage that balances protection and cost. If issues arise, we’re here to help you navigate claims and adjustments with clarity and support.

Protect Your Restaurant With Confidence.