Commercial property coverage protects your building, kitchen equipment, furniture, inventory, and signage against fire, theft, vandalism, and weather damage. For Chicago restaurants, we pay particular attention to equipment breakdown coverage — because a failed walk-in cooler or commercial range during service isn’t just an inconvenience, it’s a direct revenue loss.

General liability protects your restaurant from third-party claims of bodily injury and property damage — a guest who slips on a wet floor, a food allergy incident, or damage caused during a catered event. In Chicago’s litigious environment, strong general liability limits are non-negotiable for any food service operation.

Food spoilage insurance reimburses a business for the value of perishable items (such as food or beverages) that spoil due to covered causes, such as power outages, equipment failures, or temperature-control breakdowns.

Employment Practices Liability Insurance (EPLI) provides coverage for legal costs, settlements, and judgments arising from claims related to violations of employee rights in the workplace.

Cyber liability insurance protects your business from financial losses related to data breaches, cyberattacks, and other digital threats. It can cover costs such as data recovery, system restoration, legal fees, regulatory fines, customer notification, and credit monitoring for affected clients.

Fidelity and crime insurance protects your business from financial losses caused by theft, fraud, or dishonest acts—whether committed by employees or external parties. This coverage can include employee theft, forgery, embezzlement, robbery, and computer fraud.

Commercial auto insurance protects vehicles used for business purposes and the people who operate them. It provides coverage for liability, physical damage, and medical costs resulting from accidents involving company-owned or employee-driven vehicles.

Commercial Umbrella Liability insurance provides an extra layer of protection above your existing general liability, commercial auto, and employers liability policies. It kicks in when underlying coverage limits are exhausted, helping protect your business from large claims or catastrophic losses.

Restaurants have some of the highest workers’ compensation claim rates of any industry — cuts, burns, slips, and lifting injuries are daily risks. Illinois law requires workers’ comp for any restaurant with employees, and we make sure your coverage reflects your actual payroll, tipped employee structure, and the seasonal staffing changes common in Chicago’s hospitality market.