Protection for Your Kitchen, Your Guests, and Your Reputation.
From a slip in the dining room to a walk-in freezer failure, your restaurant faces risks every minute. We provide specialized insurance to protect your business, so you can focus on your guests.
Comprehensive Coverage for Your Restaurant
General Liability: Protects you from claims of guest injury (e.g., slip-and-falls) or foodborne illness.
Liquor Liability: Essential if you serve alcohol. Protects you from claims related to an intoxicated guest.
Spoilage: Covers the cost of perishable food if a freezer, walk-in, or refrigeration unit fails.
Equipment Breakdown: Critical coverage for your expensive kitchen equipment (ovens, stoves, walk-in freezers, HVAC).
Workers' Compensation: Protects your kitchen staff, waitstaff, and bartenders from work-related injuries like burns or falls.
Business Interruption: Replaces lost income if a covered loss (like a fire) forces you to close temporarily.
A standard Business Owner's Policy won't cover your most critical risks. We build a comprehensive program that includes:
Trusted by Highly Technical & Demanding Businesses
“Fast, thorough…perfect. These three words... describe our experience over many years working with Rueter Insurance. Our business is highly technical and demanding, and we expect our partners to meet the same standards. The Rueter Insurance team always comes through for us... On a scale of 1 to 10, they’re a perfect 10.”
A 'Hands-On' Approach to Your Restaurant's Risk
We are risk management partners who understand the unique, fast-paced nature of the food service industry. Finding you coverage is not all that we do; it is just the beginning.
1. Expert Risk Analysis: We'll review your operations, from your kitchen safety and fire suppression systems to your liquor service training (TIPS/RAMP).
2. Tailored Program Design: We shop policies from top-rated carriers to build a comprehensive, cost-effective program that protects your property, liability, and income.
3. 'Perfect 10' Service: We provide the 'fast, thorough... perfect' service you need, so you can get a Certificate of Insurance or a claims answer fast.
Get the Right Protection for Your Restaurant
Let us handle the risk so you can focus on your guests.
Or Call Our Commercial Team: 215-637-8223