Insurance That Handles the Heat of the Kitchen

From fine dining to high-volume nightclubs, we protect Michigan's hospitality industry against liquor liability claims, kitchen fires, and spoilage losses.

Liquor Liability Specialists
Spoilage & Equipment Breakdown
Assault & Battery Coverage

Critical Coverage for Your Venue

Liquor Liability

Essential for any establishment serving alcohol. We secure coverage that protects you from dram shop laws and intoxication-related claims, even for late-night venues.

General Liability

Slips, falls, and customer injuries are the most common claims. We ensure your limits are high enough to protect your assets from frivolous lawsuits.

Property & Spoilage

If a freezer fails or a fire shuts you down, we cover the building, equipment, and lost inventory—plus business interruption income to keep you afloat.

Workers' Compensation

Kitchen cuts, burns, and slips happen. We find competitive rates for your back-of-house and front-of-house staff, keeping you compliant with Michigan law.

Employment Practices (EPLI)

Protects your business from employee lawsuits regarding detailed allegations of discrimination, sexual harassment, or wrongful termination.

Cyber Liability

Safeguard your customer's credit card data. Coverage for data breaches, ransomware attacks, and the forensic costs to resolve them.

"Titanium Shield found us a policy that included Assault & Battery coverage—something our last agent missed completely. Required for our liquor license and peace of mind."
— Detroit Nightclub Owner

Get Your Restaurant Quote

Don't let one claim shut down your kitchen. Contact us for a comprehensive review.