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Every day, restaurants, bars and taverns strive to deliver memorable experiences for guests while managing multiple risks. Liquor liability. Food safety and food allergies. Cyber threats. Employee wellbeing. And the list goes on.
At Brown & Brown, we tailor insurance and risk management solutions for the specific needs of the food and beverage industry.
Key Insurance Factors for Restaurants, Bars and Taverns
Location and Property Risks
Underwriters factor in the age of your building, type of construction, updates you’ve made, your maintenance schedule, flood and fire potential, crime statistics, and even parking lot congestion. That cool multi-use site with a restaurant on the first floor and four stories of apartments above might be mouthwatering because of the potential customers upstairs, but difficult from an insurance perspective.
Alcohol-to-Food Sales Ratio
Data shows that alcohol service increases the risk of insurance losses. This can result in higher premiums for multiple types of coverage, not just liquor liability insurance.
Workers’ Compensation Claim History
Workplace injuries and illnesses are a top driver of overall hospitality insurance costs. Taking steps to prevent accidents and promote health can improve your bottom line.
Correct Business Classification
Underwriters want to know if you are a fine-dining restaurant, a family-style eatery, a neighborhood tavern or a nightclub. Misclassification can lead to coverage gaps or policy disputes.
Hours of Operation
Insurers associate extended hours with increased exposure to incidents such as alcohol-related claims and property damage. Adjusting operating hours to close earlier may reduce your risk rating and associated costs.
Brown & Brown listens carefully to understand the nuances of your business, so we can help you align coverage with your specific risk exposures. We collaborate with you to look at how small changes, such as adjusting your hours, can have a favorable impact on insurance costs.
Key Insurance Factors for Restaurants, Bars and Taverns
- Spotting fake identification
- Recognizing signs of intoxication
- Communicating effectively with customers who appear inebriated
- Arranging safe transportation for impaired patrons
- De-escalating situations involving unruly or threatening guests
Having these procedures in place demonstrates a commitment to safety that underwriters value.
- Comprehensive safety training: Employees need instruction on proper knife handling, equipment operation, lifting techniques, and slip-and-fall prevention right from the start of employment
- Hiring practices: Comprehensive reference and background checks can help you identify candidates with a history of questionable claims
- Return-to-work planning: When an injury occurs, having a clear process for the employee’s return can reduce claim duration and related costs
- Preventing harassment and inappropriate contact by coworkers or guests
- Addressing workplace culture differences between front-of-house and back-of-house staff
- Managing employees under the influence of alcohol or drugs
Ongoing training for managers and staff on diversity, communication, and workplace safety can contribute to a respectful environment where team members feel secure and valued.
With the reliance on digital technology for reservations, order placement and payments, restaurants are attractive targets for cybercrime. We can help you assess your vulnerabilities and recommend measures to protect your business and customer information.
Given the prevalence of lawsuits, sustained focus on employee and guest safety is essential. This includes detailed procedures for food handling to prevent allergic reactions, monitoring for slip and fall hazards, heat injury prevention measures, and more.
-
- Spotting fake identification
- Recognizing signs of intoxication
- Communicating effectively with customers who appear inebriated
- Arranging safe transportation for impaired patrons
- De-escalating situations involving unruly or threatening guests
Having these procedures in place demonstrates a commitment to safety that underwriters value.
-
- Comprehensive safety training: Employees need instruction on proper knife handling, equipment operation, lifting techniques, and slip-and-fall prevention right from the start of employment
- Hiring practices: Comprehensive reference and background checks can help you identify candidates with a history of questionable claims
- Return-to-work planning: When an injury occurs, having a clear process for the employee’s return can reduce claim duration and related costs
-
- Preventing harassment and inappropriate contact by coworkers or guests
- Addressing workplace culture differences between front-of-house and back-of-house staff
- Managing employees under the influence of alcohol or drugs
Ongoing training for managers and staff on diversity, communication, and workplace safety can contribute to a respectful environment where team members feel secure and valued.
-
With the reliance on digital technology for reservations, order placement and payments, restaurants are attractive targets for cybercrime. We can help you assess your vulnerabilities and recommend measures to protect your business and customer information.
-
Given the prevalence of lawsuits, sustained focus on employee and guest safety is essential. This includes detailed procedures for food handling to prevent allergic reactions, monitoring for slip and fall hazards, heat injury prevention measures, and more.
Additional Resources
Before You Sign: An Insurance Due Diligence Checklist for Hospitality Operators
Editor’s Note An earlier version of this article appeared in the Oregon Restaurant and Lodging Association’s blog. Reprinted with permission. Thinking about expanding your restaurant, buying a new property, or leasing a space for your next venture? ...
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Restaurant Cybersecurity: How to Protect Your Business From Insider Cyber Risks
When you think of cybercrime, you may picture a shadowy figure hacking into a network from afar. But the biggest cyber threat to your restaurant could be a trusted staff member. Here’s what to look for, along with tips to protect your restaurant ...
Social Media Posts Can Affect Your Insurance Rates
Editor's Note: This article about social media and insurance underwriting recently appeared in the Oregon Restaurant and Lodging Association’s blog. Reprinted with permission, this piece includes helpful tips for hospitality, entertainment, and ...Explore Other Hospitality Insurance Solutions
Connect With Brown & Brown
Learn how Brown & Brown can help protect your staff, guests and operations with proactive risk management strategies and personalized coverage support.
