Restaurant & Bars

Ghost kitchens are a growing trend, fueled by celebrities like MrBeast and Mariah Carey, but these non-traditional food service businesses bring unique exposures that don’t always fit into standard restaurant policies.

As restaurants deal with increasing premiums, reduced underwriting capacity and labor challenges, strategies can improve insurability and potentially lower premiums.

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.

As breweries and wineries go green, agents need to translate sustainability initiatives into clear underwriting conversations and protection strategies.

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

As the restaurant market evolves, restaurant owners need clarity on what coverage they have and where they could be vulnerable.

Restaurateurs face difficulties hiring and retaining staff, an ever-evolving landscape of changing technologies, economic and social inflation, and the recent Department of Labor (DOL) overtime rules changes.

Rainbow’s new business owners policy rewards insureds for safe behavior and provides an industry-first pay-as-you-go payment plan option that automatically adjusts to the business’ ups and downs.