Restaurant Insurance

Protect Your Business: Restaurant Insurance in Colorado

Running a restaurant comes with unique challenges, from managing staff to serving customers safely. At Preferred Choice Insurance, we provide tailored restaurant insurance policies designed to protect Colorado restaurants from risks like property damage, liability claims, and employee injuries. Whether you run a small café or a bustling eatery, we’ve got you covered.

Answers to Your Restaurant Insurance Questions

  • What does restaurant insurance cover?

    It typically includes general liability, property damage, workers’ compensation, and equipment breakdown coverage.

  • Is restaurant insurance required in Colorado?

    While not all coverage types are mandatory, Colorado law requires workers’ compensation insurance for employees and liquor liability insurance if alcohol is served.

  • Can restaurant insurance cover food spoilage?

    Yes, many policies include coverage for food spoilage due to equipment failure or power outages.

  • Does it cover delivery services?

    Commercial auto or hired/non-owned vehicle coverage can be added to protect delivery vehicles and drivers.

  • What’s the difference between general liability and liquor liability?

    General liability covers broad risks like slip-and-fall accidents, while liquor liability addresses claims arising from alcohol service.

  • Can I customize my restaurant insurance policy?

    Yes, policies can be tailored to include specific coverage options like cyber liability, business interruption, or employee dishonesty protection.

What Our Restaurant Liability Insurance Can Do for You

A black and white icon of a building with a shield on top of it.

Property Protection

Covers your building, equipment, and inventory against risks like fire, theft, or vandalism.

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General Liability Coverage

Protects your business from claims related to customer injuries, foodborne illnesses, or property damage

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Food Spoilage and Equipment Breakdown

Safeguards against losses caused by refrigeration failures or unexpected equipment repairs.

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Liquor Liability Coverage

Ensures compliance with Colorado law and provides protection for alcohol-related claims if you serve or sell alcohol.

Get Your Free Restaurant Liability Insurance Quote Today

Keep your restaurant protected and your operations running smoothly. Contact us today or request a free quote online to explore customized coverage options for your Colorado restaurant.