North Carolina Food and Beverage Insurance

Success in the restaurant industry is dependent upon positive customer experiences and there’s nothing better than watching your customers enjoying your latest culinary creation. Operating any type of food service business, from a five star restaurant to an ice cream shop, can be a rewarding experience. Unfortunately, food service is not without its share of headaches.

If a customer slips on a wet floor and files a lawsuit against your restaurant, will your insurance help pay your legal fees? If your refrigeration unit fails and ruins your inventory, are you covered? Accidents and other unforeseen events can pose serious financial risks, especially if you aren’t covered with food and beverage insurance for your business.

Food for Thought

Whether you’re dealing with food poisoning, grease fires or equipment breakdown, food services insurance can help protect your livelihood. Our agents can help customize an insurance plan for your restaurant, with property and liability coverage packaged in one policy. In addition to standard policy coverages, you may want to consider:

  • Liquor Liability – Helps cover costs for alcohol-related claims when customers hurt themselves or others.
  • Equipment Breakdown, Utilities and Spoilage Coverage – Helps fix or replace credit card systems and refrigeration units. Food spoilage as a result of a breakdown, including instances where the utility provider is at fault, is also covered.
  • Extended lost business income – Coverage for 60 days, but it can be extended up to 360 days.
  • Backup of sewer or drain water

Let Us Cater to Your Needs

First Pioneer Insurance Agency has protected businesses across the state of North Carolina since 1980. We look forward to the opportunity to review your policy to ensure your restaurant has adequate protection and look for ways to save you money. Let us help you protect your bread and butter so that you can focus on your dinner special.