Restaurant Insurance

Every business relies on having adequate insurance coverage to protect them from serious losses due to liability, property damage or other issues. Restaurants have special coverage needs, and our agents at Kuespert Insurance, Panhandle Insurance and Argonne Insurance specializes in writing customized insurance policies for a variety of food service organizations in Idaho and Washington State. If you own a growing restaurant chain, our agents can help you through expansions as we are also licensed in Oregon, California, Utah, Arizona and North Dakota.

Standard Coverage

Restaurant insurance from our knowledgeable agents in Moscow, Coeur d'Alene and Spokane Valley starts with the basics. Most policies include

General liability coverage
Workers’ compensation insurance
Property coverage
Valuable papers coverage
Loss of income coverage
Identity theft insurance

Customizable Policies

We also understand that within the food service industry, there are many different needs. A mom-and-pop café with a single location needs a different type of insurance policy than a restaurant chain with 20 or more locations. Your agent will take the time to understand your business and shop several different insurance carriers to help you find the right fit. We have policy options for

Bakeries
Bars, Lounges and Taverns
Cafés
Catering Companies
Coffee Carts, Stands and Shops
Diners
Delis
Doughnut Shops
Pizzerias
Fast Food Restaurants
Cafeterias
Fine Dining Establishments
Casual Dining Restaurants
Food Trucks and Carts
Food Vendors and Delivery Organizations
Ice Cream / Yogurt Parlors

Corporate Vehicle Coverage for Restaurants

Many restaurants require corporate auto insurance coverage to protect employees as well as company property. Food trucks require a specific type of coverage while food delivery services from pizza delivery to catering require coverage that may vary depending on who owns the vehicles used for deliveries, the number of drivers delivering food, the cost of products delivered and so on.

Keep in mind that you probably need corporate auto coverage whether or not you have a fleet of delivery vehicles. If your employees drive their own cars on company business, you need to have coverage for unowned vehicles.

It can be difficult to keep up with all the details involved in restaurant insurance. Our experienced insurance professionals are here to help. Let us handle your insurance coverage so you can get back to dishing up delicious food for your customers.

Find Your Local Partner in Restaurant Insurance

If you own or run a restaurant in Northern Idaho or Eastern Washington and want a local business insurance partner you can trust to be on your side, contact one of our offices or request a free restaurant insurance quote today.