Restaurant Insurance – What do we need?

Your Risks, Our Solutions

Business Insurance from Middle Creek Insurance Agency with ERIE Insurance Company has You Covered

Your Liability

Premises Liability Coverage

If you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your business.

Liquor Liability Coverage

For legal costs and payments if your restaurant is ever named in a lawsuit. (Available for purchase as an additional coverage.)

Data Breach Liability Coverage

If you become legally liable because of accidental release of personal or credit card information in your care. (Available for purchase as an additional coverage.)

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Equipment Breakdown Coverage

To repair or replace equipment such as machinery, conveyors, telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss ERIE covers.

Product Contamination Coverage

For lost business income, replacement of contaminated food, sanitation expenses and more.

Your Employees

Workers’ Compensation Coverage

Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability Coverage

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

Call us today to review your restaurant’s coverages – 919-524-2149. EVEN MORE COVERAGE OPTIONS ARE AVAILABLE>

Here are some of the extra ways that coverage from ERIE goes above and beyond – additional coverage options.

Ordinance or Law coverage, Hired and Nonowned Auto Liability, Sewer or Drain Backup, Data Breach, Employee Theft, Earthquake

¹Available for purchase as an additional coverage on select policies.
²Available for purchase as an additional coverage.