Commercial Insurance
Restaurant & Food Service Insurance in Indiana
Restaurants face some of the highest liability exposures of any industry. We make sure your coverage keeps up with the risks of running a food business.
Get a QuoteWho We Cover
Full-service restaurants, bars and taverns, fast casual and quick-service restaurants, food trucks, cafes and coffee shops, caterers, bakeries, pizzerias, food delivery operations, and any business that prepares or serves food and beverage in Indiana.
Why Specialized Coverage Matters
The restaurant industry faces a unique combination of risks — food contamination, kitchen fires, slip-and-fall accidents, liquor liability, and high employee turnover. Many standard BOP policies exclude or limit coverage for these exposures. We work with carriers who specialize in the food and beverage industry and build programs around how your business actually runs.
Coverages We Place
- General Liability Insurance
- Liquor Liability Insurance (dram shop)
- Commercial Property Insurance
- Business Owners Policy (BOP)
- Business Interruption / Income Insurance
- Food Spoilage Coverage
- Workers' Compensation Insurance
- Commercial Auto (delivery vehicles)
- Employment Practices Liability (EPLI)
- Umbrella / Excess Liability
Common Questions
Do I need liquor liability even if alcohol isn't my main business?
If your establishment sells or serves alcohol in any capacity, you need liquor liability coverage. Indiana dram shop laws can hold you liable for damages caused by an intoxicated patron — and your general liability policy will not cover this exposure.
What does business interruption insurance cover for a restaurant?
If a covered loss — fire, equipment breakdown, or storm damage — forces you to close temporarily, business interruption coverage replaces your lost income and helps pay ongoing expenses like rent and payroll while you're getting back on your feet.
Can you cover a food truck?
Yes. Food trucks need a combination of commercial auto, general liability, and property coverage that accounts for mobile operations. We build programs specifically for food truck operators.
Ready to Get Covered?
Tell us about your business and we'll find the right coverage at the right price.
Start a QuoteOr call (317) 800-6201Independent Agency
As an independent agency, we're not tied to any single carrier. We shop multiple markets to find coverage that fits your specific business.
Our CarriersTake the Next Step
Ready to Get Better Coverage at a Better Rate?
Our team shops multiple carriers so you don't have to. Get your personalized quote in minutes.