Restaurant Insurance in Vermont

T.S. Peck Insurance
Restaurant Insurance Vermont

What is Restaurant Insurance?

Running a restaurant can be both personally fulfilling and financially rewarding, but it’s not without potential risks. Dining establishments can lose property, be named in liability lawsuits and suffer any number of other devastating events. Restaurant insurance helps establishments in Vermont protect themselves from a range of covered risks.

Restaurant insurance policies are specialized commercial policies that have been specifically developed for restaurants and dining establishments. Most policies are crafted as package policies that come with multiple insurance coverages, which allows them to protect against lots of different perils.

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Client Testimonials

“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”

Jason C.

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Restaurant Insurance Vermont

What Vermont Dining Establishments Need a Restaurant Policy?

Most dining establishments in Vermont should consider a restaurant policy, for few establishments could recover from a major incident on their own and this is normally the most appropriate type of insurance for these businesses. Some specific types of restaurants that may need or want a policy include:

  • Dine-in restaurants
  • Carry-out restaurants
  • Fast food restaurants
  • Coffee shops and cafes

These establishments usually need a policy regardless of whether they’re in a free-standing structure, a food court or any other building.

As broadly useful as restaurant policies are, there are a few businesses that have similar insurance needs to dining establishments but are better suited with a slightly different commercial policy. Nightclubs, bars, food trucks and caterers, for instance, may find policies that share many commonalities with restaurant policies but are adjusted for these particular businesses.

What Protections Are Available Through Restaurant Policies?

As mentioned, restaurant policies typically come with multiple coverages that work together to provide robust protections. Many of these coverages can be separated into restaurant liability insurance coverages and restaurant property insurance protections.

Policies frequently make the following restaurant liability insurance protections available:

Policies also frequently offer the following property-focused protections as standard or available features:

  • Commercial Property Coverage, which might cover owned facilities and equipment
  • Tenants Betterment Coverage, which might cover changes made to a leased location
  • Equipment Breakdown Coverage, which might cover equipment malfunctions
  • Food Contamination Coverage, which might cover food loss following a disaster

For help selecting the coverages that make the most sense given their situation, restaurants should contact an insurance agent who specializes in restaurant liability insurance and related coverages.

Do Restaurants Need Liquor Liability Coverage?

Restaurants that want an alcohol beverages license in order to sell adult beverages generally need liquor liability coverage, as the coverage is a prerequisite to obtaining a license from the ABCC. Also, most general liability coverages exclude alcohol-related incidents, which makes this an important coverage to consider if selling or serving alcohol.

An agent who’s familiar with restaurant liability insurance requirements can help dining establishments find a policy that meets the state’s requirements and provides any additional protection that’s desired.

Restaurant Insurance Vermont

How Can Vermont Dining Establishments Get Restaurant Insurance?

For assistance insuring a dining establishment that’s located in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents have worked with many establishments in the state, and they’re ready to help you find restaurant insurance that meets your establishment’s unique needs. Because all of our agents are independent, they’re able to search multiple insurance companies’ policies and show you the most suitable ones.

Get in touch with our team!

T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478