Restaurant and bar insurance, written for Michigan operators.
Liquor liability, assault & battery, spoilage, equipment breakdown and business income — placed by an independent Metro Detroit agency that works this class of business daily.
- Full-service restaurants
- Bars & taverns
- Nightclubs
- Breweries & taprooms
- Pizzerias & delivery
- Banquet halls
- Catering
- Restaurant groups
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We reply within one business day.
The exposures that decide a restaurant program.
Hospitality risk concentrates in specific places. These are the lines we review on every restaurant and bar account.
Liquor liability
Required in practice for any Michigan establishment serving alcohol. Addresses dram shop exposure and intoxication-related claims, including late-night venues that standard markets decline.
Assault & battery
Excluded on many liquor liability forms. Where the operation calls for it — bars, nightclubs, late closing — we look specifically for markets that will write it back in.
Food spoilage
Walk-in and freezer failure, and the stock lost with it. One of the most frequently missing coverages we find, and one of the cheapest to correct.
Equipment breakdown
Hood systems, refrigeration, HVAC and kitchen equipment. Mechanical and electrical failure is not a covered cause of loss on a standard property form.
Business income
Lost revenue and extra expense while the doors are closed. Limits and the restoration period matter more than the premium difference between them.
Utility services
Off-premises power or water interruption. Without this extension, a utility outage that spoils stock and closes service can fall outside the property form entirely.
Workers' compensation
Kitchen cuts, burns and slips. We market back-of-house and front-of-house payroll and check class codes so an audit does not produce a surprise.
Delivery & hired auto
Staff driving their own vehicles creates hired and non-owned exposure a personal auto policy is unlikely to answer. Delivery should be disclosed and rated.
Multi-location coordination
Restaurant groups on one scheduled program: consistent limits, a single renewal date, and certificates issued per location for landlords and lenders.
Also reviewed where the operation calls for it: employment practices liability (EPLI), cyber and card-data liability, umbrella and excess liability, and owned commercial auto.
What underwriters will ask for.
Having these ready is often the difference between a competitive offer and a decline. We will walk through them with you on the first call.
- Sales split — annual receipts divided between food and alcohol
- Hours & entertainment — closing time, live music, DJs, dancing, cover charges
- Security & training — door staff, cameras, server training such as TIPS
- Loss history — currently valued loss runs, typically three to five years
- Property values — building or tenant improvements, kitchen equipment, stock
- Payroll by role — kitchen, service and management, for workers' compensation
- Delivery detail — owned vehicles, staff vehicles, third-party platforms
- Locations — addresses and seating or square footage per site
Restaurant and bar insurance, plainly.
General information about how these coverages usually work. Your own policy language governs in every case.
Usually not. Most general liability forms exclude liability arising from the manufacture, sale or serving of alcohol, so Michigan restaurants and bars generally need separate liquor liability coverage. Whether any specific claim is covered depends on the policy as written.
Many liquor liability forms exclude claims arising from an altercation on the premises. Assault & battery coverage buys that exposure back, and it is commonly requested for bars, nightclubs and late-night venues in Metro Detroit. Availability and limits vary by carrier and by the operation.
Only when spoilage or equipment breakdown coverage is included, and only for the causes of loss the form lists. It is one of the most frequently missing coverages we find on Michigan restaurant programs, and one of the least expensive to add.
Employees driving personal vehicles for the business creates hired and non-owned auto exposure that a personal auto policy is unlikely to answer. Delivery operations should be disclosed and rated, not left assumed.
Yes. Multi-location groups are usually better served by a single scheduled program than by separate policies per site: consistent limits, one renewal date, and certificates issued per location for landlords and lenders.
Pricing depends on receipts, the split between food and alcohol sales, hours of operation, entertainment, property values, payroll and loss history. Any figure quoted before a carrier reviews those items is guesswork, which is why we scope the submission first.
Get a Michigan restaurant quote.
Send the basics and we will tell you what can be improved — coverage, structure or price — before anything is quoted.
- We confirm operations, receipts split and locations.
- We submit to the markets that write hospitality risk.
- You get options side by side, differences explained.
Request a restaurant quote
We reply within one business day.