Event Insurance

Event Insurance covers the legal liability you or your company may hold from certain types of claims arising from accidents taking place during an event you host. 

Subject to the specific coverage terms, conditions and exclusions, it offers protection for the host / honoree for damage to the facility caused by a guest or vendor, bodily injury to guests they are found liable for, and alcohol-related accidents they are found liable for.

No matter the size of your event or how well prepared you are, you never know when the worst-case scenario could become your reality. It’s the small things that cause the most problems if you’re not properly covered. So even the most basic coverage policy could prove to be a big help in the long run.

Contact us to learn more about the right insurance for your upcoming event.

As a restaurateur, you know there are many ingredients needed to run a successful business. And restaurant ownership is challenging enough, without having to worry about food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite.

Restaurant insurance helps protect you from the risks you face as a restaurant owner so you can put your focus where it belongs: your food, your customers, and providing a great experience.

Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk, and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, worker’s comp, vehicle insurance and business interruption insurance.

Who Needs Restaurant Insurance?

We offer insurance to cover all food service businesses including:

• Bar Insurance
• Café Insurance
• Cafeteria Insurance
• Catering Insurance
• Diner Insurance
• Deli Insurance
• Food Delivery Insurance
• Fast Food Insurance
• Pizza Restaurant Insurance
• Lounge Insurance

Some restaurants require specialized coverages, and we can help you navigate the issue facing the type of business you own, or wish to create.

What’s covered in a restaurant insurance policy?

There are typically three important areas to making a solid restaurant insurance plan. These coverages include:

• Business Owners Policy (BOP) which protects restaurants through general liability property insurance, loss of income coverage and more. It may also provide protection against lawsuits and other financial liabilities that result from customers slipping on a wet floor, or building damage from fire, or lawsuits and other business related risks.
• Workers’ Compensation Insurance can help cover medical costs and a portion of lost wages for employees who become sick or are injured on the job.
• Business Crime insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery.
• Restaurant Vehicles may also need to be covered in some cases.
• Cyber Liability

Worried about the cost?

Items you might consider, including:

• Monthly payment options to help spread out your payments so you can better manage your your cash flow
• Coverage of temporary staff, full-time employees, and independent contractors
• Claims responsiveness when time is of the essence, especially in the event of an insurance claim
• Tailored coverage for the specific risks of your restaurant type
• Knowledgeable agents who provide exceptional, passionate service
• Coverage for events satisfying most standard event requirements
• Fast and simple online quotes, or helpful agents, immediate coverage

The 9 AN Insurance Difference

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we look for ways to protect you better, including choosing the insurance companies we represent to be both affordable and responsive.

Click on the quote request button now and let the professionals at Foy Insurance help you protect the things you are working hard to build.