Pennsylvania Restaurant Insurance
Life in the restaurant business is fast paced. You're always moving, whether you're prepping for the day, mid-rush, or cleaning up from a hectic dinner service; it seems like the running around never ends. And as a restaurateur, that's a good thing, right? It means you're busy putting out a product that other people love.
Sometimes though you're so busy that a few of the details can end up slipping through the cracks, like your Restaurant Insurance. If you just signed on with the first company to quote you then you may be missing out on not only important coverages, but also a whole lot of savings. At Joyce, Jackman & Bell Insurors our agents are here to ensure that your PA Food Service Insurance fully protects you against the pitfalls that often come with owning your own business.
Who We Insure
We know that no one restaurant is just like any another, which means each Restaurant and Bar Insurance policy we offer is customized to fit the needs of your business.
Are you just getting started, or already established? Do you serve alcohol? Do you deliver, and if so, do you own a fleet of vehicles, or is it on the delivery driver to provide their own transportation? We offer coverage options to address all these and more.
We insure the following restaurant types:
- Independent and/or family owned restaurants and chains
- Company or franchise owned restaurants
- Brewpubs and bars
- Fast/casual dining establishments
- Delivery services
- And many more!
Restaurant Insurance Coverage Options
We offer the following coverage options are available to all Pennsylvania Restaurants:
Because an accident can happen at anywhere, at any time, we offer a variety of Liability Insurance coverage options:
- General Liability
- Premises Liability
- Completed Operations Liability
- Umbrella (Excess) Liability
Our liability coverages will not only protect you from the damaging effects of a lawsuit, we will also help you pay court fees and lawyers bills.
Business Property Insurance
There are a lot of components to running a successful restaurant, and one of them is making sure that your property is well cared for and protected. A Commercial Property addition to your Food Service Insurance covers you from the inside out - even your outdoor signage and parking lots. This coverage protects you against fire, theft and vandalism.
Inland Marine Insurance
Do you cater? If so, Inland Marine Insurance is for you. It protects your property in-transit, and also provides coverage for any of your customer's materials that may be left in your possession.
Commercial Auto Insurance
You don't need to offer delivery services to qualify for Commercial Auto Insurance, in fact, it is a coverage everyone should have, even if you do not own your own fleet of vehicles. Ask one of our agents why!
Not only do you need this to protect your employees, you need it to protect yourself. Workers Comp gets your employees healthy and back to work sooner by paying their medical and rehabilitation bills.
Specialty Restaurant And Bar Insurance Coverage Options
Equipment Breakdown Coverage
Joyce, Jackman & Bell Insurors offers this coverage as an add-on to your Business Property Insurance. Not only can we help you develop a business continuity plan, but we will also help pay for any lost wages due to a covered peril.
Employment Practices Liability
If you have employees you can be sued. This coverage will protect you against allegations of sexual harassment, wrongful termination and many other claims.
Employee Dishonesty Coverage
Theft happens, and that can place a big strain on your restaurant. Our Employee Dishonesty Coverage will help to cover any lost income due to theft by an employee.
If you serve alcohol you need Liquor Liability Insurance! We all know that some crazy things can happen when alcohol comes into play, but that doesn't mean you need to foot the bill in every situation. Ask one of our agents for more information on how this coverage will protect you.
Get Your PA Food Service Insurance Quote Today!
Life in the restaurant industry can be unpredictable, but your insurance policy doesn't have to be. Fill out the quote form on this page for a FREE Restaurant or Bar Insurance quote! At Joyce, Jackman & Bell Insurors we're here to protect you.