Greater Seattle Bar & Restaurant Insurance

Tenant improvements coverage covers permanently attached property on the rented premises that were installed or purchased by the insured. Under restaurant and bar insurance, we recommend a tenant improvements limit that is based on the value of the improvements.

Business property coverage, also known as contents coverage, covers loose property on the insured premises. For a bar and restaurant policy, we recommend a contents limit that is based on the value of this property.

Off-Premises property coverage covers property away from the insured premises. Under bar and restaurant insurance, we recommend an off-premises limit that is based on the value of the property that could be taken off the insured premises.

Typically the building owner covers glass damage, however, some leases require that the tenant cover glass damage, which tenant’s glass coverage covers. Under a bar and restaurant policy, we recommend a tenant’s glass limit that is based on the value of the windows at the insured location.

Employee dishonesty covers embezzlement of company funds. For restaurant and bar insurance, we recommend an employee dishonesty limit that is based on the company funds exposed to embezzlement.

Business income coverage replaces lost income if a covered loss renders the shop uninhabitable. Additional coverage is available for power outages. Under a restaurant and bar policy, we recommend a business income limit that is based on the income that could be lost over the period of time that could be required to repair the insured location.

Provides insurance coverage for mechanical breakdown, electrical or electronic breakdown, or rupture, bursting, bulging, implosion, or steam explosion of covered equipment that results in direct physical loss or damage resulting from a covered cause of loss.  Does not cover wear and tear.  

Spoilage coverage covers product that is spoiled after mechanical breakdown or failure of refrigeration equipment. For restaurant business insurance, we recommend a spoilage limit that is based on the value of the products that could spoil.

General liability coverage primarily protects your company financially if held responsible for trip and slip-type injuries. We recommend bar and restaurant liability insurance coverage limits of at least $1,000,000.

Personal and advertising injury coverage primarily covers defamation and copyright/trademark infringement. We recommend bar and restaurant liability insurance coverage limits of at least $1,000,000.

Product liability coverage covers injuries or property damage caused by products sold. We recommend bar and restaurant liability insurance coverage limits of at least $1,000,000.

Cyber liability coverage primarily covers data breach that results in a loss of confidential data as well as inadvertent transmission of malware. This coverage is recommended if working with confidential data such as social security numbers or payment information.

Employee benefits coverage covers mismanagement of benefits. This would provide coverage if, for example, an employee holds the company responsible for a major medical expense they expected to be covered under the company health insurance plan. An employee benefits limit of at least $1,000,000 is recommended under bar and restaurant insurance.

Employment practices liability insurance coverage (EPLI) covers claims of discrimination, wrongful discipline/termination, harassment, breach of (implied) contract, failure to employ or promote, deprivation of opportunity, and infliction of emotional stress made by employees. Third-party coverage is available to cover claims of discrimination and harassment made by customers, vendors, etc. Keep in mind that even if there is no basis for a claim, defending these claims can be expensive, and this coverage will pay defense costs.

Washington is one of a few states where workers compensation insurance is provided by the state. Although this covers employees when they are injured on the job, unlike coverage provided by private insurers, it does not offer coverage if employees hold your company responsible. This could happen if the employee is not satisfied with the coverage provided by the state. Employer liability (stop gap) coverage fills this coverage gap. An employer liability limit of at least $1,000,000 is recommended under a bar and restaurant policy.

Covers your company if held responsible for injuries or property damage sustained in an accident. Hired auto offers coverage while driving vehicles that are borrowed or rented for company business, or paid for using company funds. Non-owned auto offers coverage while employees (including owners) are driving their own personal vehicles for company business. For bar and restaurant insurance, a hired and non-owned auto limit of at least $1,000,000 is recommended.