06/15/2026
Running a restaurant comes with a unique set of risks, and a standard business policy may not cover all of them.
A few areas worth a closer look:
🍽️ Restaurants face liability exposure from multiple directions, including slip-and-fall accidents and food-borne illness claims. Knowing what your policy actually covers is critical before something goes wrong.
🍸 General liability doesn't always include liquor liability. For any establishment serving alcohol, it's a coverage worth having in place.
🔥 Equipment breakdown and kitchen fires can shut a restaurant down fast, and without proper business interruption coverage, even a short closure can create serious financial strain.
🌤️ Seasonal staff changes your workers' compensation exposure. Coverage should reflect your busiest periods, not just your baseline.
🔨 If you've invested in a build-out, kitchen, or fixtures, you may be responsible for insuring those improvements even if you don't own the building.
The Avery team works with restaurant owners to make sure nothing gets overlooked. Reach out to start the conversation.