Insuring Your Restaurant

For restaurant owners, protecting your business is as important as the meals you prepare. At Hailey Insurance, we’ve seen firsthand the negative effects a kitchen fire or food borne illness incident can have on your customers, your employees, your financial well-being, and your hard-earned reputation. We partner with A+ AM Best rated carriers to protect businesses like yours.

Our programs offer coverage tailored to the complex exposures faced by restaurants of all types and sizes--from the family-owned deli that’s built a dependable clientele over generations to national chains capitalizing on the latest trends in dining. You can depend on Hailey Insurance to help safeguard your restaurant, customers, employees and more.

We have programs designed to suit the needs of:

  • Fine Dining Establishments
  • Steak Houses
  • Casual & Family Style Restaurants
  • Hibachi & Buffet Style Restaurants
  • Pubs & Taverns
  • Fast Food
  • Live Music Venues
  • Private Clubs

Tailored Coverages Address Your Complex Needs

If a customer sustains an injury on your premises, we can cover medical expenses, whether or not you are legally liable for the injury. (Medical Payments)

Loss of refrigeration or cooling can destroy a food-service business. We can cover the contents of any refrigerator or cooling equipment you own and use in your business against loss or damage because of equipment failure. (Loss of Refrigeration, Spoilage)

Your business depends on your equipment. If you experience damage or loss of your core equipment, our coverage goes beyond simple replacement or repair. We can extend protection to cover the loss of business income: if you need to temporarily shut down, the extra expenses to continue running your business, utility service interruption, or the lost value of spoiled or contaminated products. (Equipment Breakdown)

If the Board of Health orders your premises closed because of food contamination, we can pay your cost to clean your equipment and replace contaminated goods. Additional advertising expenses you incur to restore your reputation can be covered as well. (Food Contamination and Additional Advertising Expense Coverage)

You can be protected against liability for damage or injury resulting from parking a vehicle not owned or rented by your business. (Valet Parking Liability)

Core Coverages

Businessowner’s Coverage (Property & General Liability)

Protects your building and contents (such as equipment, furniture, and fixtures) and covers expenses if your business is held liable for harm to another. Protection against loss of business income, employee dishonesty, damage to outdoor property, and more are automatically included in some of our carriers' policies.

Workers’ Compensation

Protects your employees from work-related injuries/illnesses by covering medical expenses and lost wages. Safety resources as well as assistance in setting up a return-to-work program are absolutely FREE with your policy.

Commercial Umbrella Liability

To provide an additional tier of protection, typically extending existing limits as well as your financial security.

Additional Coverages Available Include:

  • Computer Fraud and Funds Transfer
  • Data Compromise
  • Earthquake
  • Employee Benefits Liability
  • Equipment Breakdown
  • Employment-Related Practices (more)
  • Food Contamination
  • Liquor Liability
  • Loss or Damage to Customers’ Autos
  • Spoilage
  • Utility Services
  • Water Back-Up and Sump Overflow


Our programs feature a variety of premium discounts. You may qualify for savings based upon your business’s needs:

  • Past Workers’ Compensation history
  • Age and condition of your building
  • Training and experience of your employees
  • Accessibility of your location by emergency services... and more!

Larger restaurants can also qualify for discounts on their liability insurance, and fine-dining establishments are eligible for discounted liquor liability rates.


Our policies are policies written by carriers with A.M. Best financial strength ratings of A (Superior) or higher and those demonstrating massive size … financial size category of XV ($2 billion or greater). This means your insurance coverage is financially secure, claims will be handled fairly and promptly, and you benefit from a level of expertise that is truly second to none in our industry.

Hailey Insurance has the perfect solution for restaurant owners because the products have been designed to meet ALL of your business’s insurance needs. From Workers’ Compensation insurance for your injured employees to costs associated with property damage and liability issues to extended protection against catastrophic incidents, Hailey Insurance has you covered!