Restaurant Insurance in Massachusetts

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What is Restaurant Insurance?

Restaurant insurance is a type of insurance that’s designed to meet insurance needs that are specific to restaurants. Because restaurants don’t all have the same risk exposure, policies can usually be
customized to meet a restaurant’s particular needs.

What Coverages Does a Restaurant Policy Typically Include?

Restaurant policies usually have two main coverages: restaurant liability coverage and commercial property coverage. Each coverage can help protect a restaurant from multiple potential risks.

Restaurant liability insurance coverage guards against covered lawsuits in which a restaurant is either accused or is guilty of causing property damage or harm. This coverage may pay both the legal expenses and settlement associated with a suit (up to the coverage limits).

Depending on a restaurant’s risk exposure, restaurant liability insurance might include the following coverages:

  • General Liability Coverage, which many businesses have (including ones outside the food service industry)
  • Product Liability Coverage, which might help cover any issues that arise from the food a restaurant serves (e.g. food-borne illnesses)
  • Liquor Liability Coverage, which may cover a restaurant that serves alcohol if it’s held responsible for an intoxicated patron’s actions
  • Hired and Non-Owned Vehicles Liability Coverage, which can extend certain liability coverages to delivery vehicles owned by employees

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A restaurant policy’s property coverage is designed to protect the physical property that a restaurant owns. The particular coverages that a restaurant property insurance contains might include:

  • Building Coverage, which is usually only necessary if a restaurant owns the building it’s in
  • Contents Coverage, which might insure the kitchen equipment, tables and chairs, other furniture fixtures, artwork, and similar property that a restaurant has
  • Equipment Breakdown Coverage, which may cover repair costs associated with certain causes of equipment failures (e.g. a power surge)
  • Food Contamination Coverage, which might cover spoiled food that has to be discarded after a covered incident (e.g. a power surge or mechanical failure)


Restaurant Insurance Massachusetts

What Restaurants in Massachusetts Need a Restaurant Policy?

Almost all restaurants in Massachusetts, regardless of whether they’re a small pizzeria in Winchester, MA or a large, world-class dining establishment in Boston, MA, should have a restaurant policy. In most cases, these specialized insurance policies provide the best coverage solutions for restaurants — and operating a restaurant without the necessary coverages could be financially devastating if something bad occurs.

How Can Restaurants Get a Restaurant Policy?

Restaurants that need restaurant insurance can contact one of the many independent insurance agents that serve businesses in Massachusetts. An independent agent will be able to review a restaurant’s insurance needs and help the restaurant owner select a policy that provides all necessary restaurant property and restaurant liability insurance coverages.

Restaurant Insurance Massachusetts
Scotti Insurance

Your Eatery Deserves Proper Coverage

Running a successful restaurant requires significant investments of both finances and time. Without protection, a single incident could take all of the investment that went into a restaurant away. Restaurant insurance helps protect restaurants in Massachusetts from an array of potentially devastating incidents by providing the insurance coverages they need.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890