Our products are specifically designed to meet the needs of different types of restaurants.
The AmTrust Restaurant Risk Report examined over ten years of workers' compensation claims to help employers identify common restaurant worker injury trends and learn how to prevent them. The report analyzed nearly 170,000 claims and found:
Workers’ compensation insurance protects restaurants by providing benefits to employees injured at work. These benefits can address medical care and related medical costs, retraining, and lost wages until the employee can return to work or compensation for permanent disability.
A businessowners policy is a type of commercial insurance that can provide various protections for restaurants by combining insurance coverage protections into one bundle. The standard combination is general liability, property and business interruption insurance.
Customize package products to meet each policyholder's specific needs and address special issues in the operation of their businesses. With the underwriting flexibility of AmTrust behind you, you can offer your customers both general liability and product liability coverage.
Employment Practices Liability Insurance (EPLI) coverage protects restaurants in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time or seasonal workers, volunteers and independent contractors.
Restaurants can easily fall victim to a cyber attack where sensitive data like credit card numbers and personal information of customers and workers is compromised. Cyber insurance can help cover those losses.
Testimonials
Carlos Gazitua, President, Sergo’s Family Restaurant
Arthur Tang, Owner, Ma Lu Bian Bian Hot Pot
Steve Clein, President of C & C Insurance
Restaurants have unique risks. They present a multi-faceted hazard and injury risk for both employees and customers. AmTrust Financial has a unique perspective on the restaurant industry with data compiled from processing thousands of workers’ compensation claims. The data has provided insights into common restaurant workers’ injuries, lost time in the workplace and the impact of seasonality on increased injury risk.
Restaurant insurance helps protect small businesses from the costs associated with such risks. By following safety and loss control best practices, restaurants can help avoid these incidents. AmTrust policyholders can gain free access to relevant training videos on restaurant safety through our Loss Control Department, as well as a variety of risk management articles.
The cost of restaurant insurance depends on many factors, including the size of your business, the type of coverage, the unique risks your restaurant faces, your location and the value of your business property.
AmTrust offers a wide variety of restaurant insurance options designed to meet the needs of owners in the restaurant industry. AmTrust-appointed agents will have direct access to our online system and our underwriters. Take advantage of AmTrust's financial stability, industry experience and commitment to service to protect the businesses of our agents and insured. Download our agent restaurant insurance information and forms below: