• Commercial Auto Coverage
• Liquor Liability Coverage
Restaurateurs invest a lot of time and money in their businesses, and those investments should be protected. Restaurant insurance helps restaurant owners in Vermont safeguard their establishments from a range of potential perils.
Restaurant insurance policies are specialized commercial insurance policies that, as their name indicates, are specifically designed for restaurants. Most policies include multiple coverages that create a web of protection against many different risks.
While the exact mixture of coverages offered in restaurant policies can vary, there are many coverages that lots of policies offer as either standard or optional protections. Some of the coverages that a policy might offer include:
These are just some of the various property insurance and restaurant liability insurance coverages that a restaurant policy might include.
Most restaurants in Vermont can benefit from getting a restaurant policy. Few (if any) restaurants are free from risk, and this is usually the best coverage option for dining establishments.
Bars, caterers and food trucks frequently also need coverage, but their coverage needs are often slightly different from traditional restaurants’ needs. A different type of policy, such as a craft brewery policy, catering policy or food truck policy, might be more appropriate for other businesses in the food service industry.
Any business owners who are unsure of whether a restaurant liability insurance or other insurance policy would be better for their business should speak with an insurance agent who specializes in this type of insurance and can explain the different types of policies that are available in detail.
Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.
Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!
Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.
Restaurant policies’ premiums are based on many different factors and therefore, range in price. Some of the items that insurers often consider when calculating rates for policies are:
While rates range, getting coverage is almost always more affordable than facing a major claim with no protection in place.
Purchasing a restaurant policy is normally a fairly quick process, but insurance companies sometimes do need additional information that prolongs the process slightly.
Working with an independent insurance agent who specializes in this type of insurance can help the process go smoothly. Should anything come up that might delay the process, an experienced agent will know how to address the issue and expedite everything as much as possible.
For help finding restaurant insurance, contact Paige & Campbell Insurance. Our team of independent agents has helped many restaurants in Vermont find a policy that suits their needs, and we’d be happy to assist you. Our agents are able to compare policies from different insurance companies in the state, and they have the expertise needed to help you identify the policy that offers the best coverage.
Barre
P.O. Box 469
297 North Main Street
Barre, VT 05641
(802) 476-6631
Bradford
P.O. Box 392
25 North Main Street
Bradford, VT
(802) 222-5222
Waitsfield
5197 Main Street, Suite 3
Waitsfield, VT 05673
(802) 496-3118
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!