Restaurant - Concord Group Insurance
The restaurant industry is one of the fastest growing in the country. At Concord Group Insurance, we’ve developed a specialized set of coverages designed specifically for the needs of restaurants.
Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve at a price you can afford. Don’t trust just anyone to protect your restaurant -- find your local independent agent representing Concord Group Insurance today!
Liquor Liability
You take great responsibility in serving your patrons. Take the same care in protecting your business.
Liquor Liability coverage is available in Maine, Massachusetts and New Hampshire.
Spoilage and Contamination
Protects you if food contamination occurs or if you suffer loss of perishable stock.
Business Interruption
Provides coverage for the loss of income and additional expenses while you get your restaurant running smoothly again.
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Equipment Breakdown
Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.
Businessowners Bundle Endorsement
One package with 15 coverages designed specifically for your business, which includes ordinance or law, employee dishonesty, pollution cleanup, personal property off premises and utility service.
Additional Coverages
Liquor Liability
Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your restaurant.
Available in Maine, Massachusetts and New Hampshire.
Business Interruption
After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.
Spoilage
Covers your business for employee theft of money, securities and other tangible property.
Contamination
Coverage in the event of a food contamination incident. Covered costs include food replacement, expenses to clean equipment, medical and/or vaccination costs for employees, lost income associated with a shutdown of operations and advertising expenses incurred to restore your reputation.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Cyber Liability
Shield yourself against the growing risk of a cyberattack with this package, which includes coverages for compromised data, lost income, personal identity recovery expenses, and more.
Ways to Save
Deductibles
Assuming some of the risk by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
Building Updates
Have you replaced your roof, electrical, plumbing or heating? We've got a discount for that!
Sprinkler Credit
If you are in a building with an approved sprinkler system, you will receive a credit.
How do I get a quote?
The Concord Group works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.