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Comprehensive Restaurant Insurance Solutions in Maryland

Protecting Your Maryland Food Service Business with Pillar Insurance Group LLC
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Pillar Insurance Agency/ restaurant insurance

Restaurant Insurance Provided By Pillar Insurance Group LLC

Running a restaurant, coffee shop, or any food service establishment comes with challenges. Facing a lawsuit from a customer who slips on a wet floor or dealing with spoiled food from a malfunctioning refrigerator shouldn't be among them. Let Pillar Insurance Group LLC help you find the ideal coverage for your food or beverage business in Maryland.

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General liability
Liquor liability
Business income
Spoilage
Employee theft

General liability coverage

Risk Factors

A restaurant needs general liability insurance to cover bodily injury or property damage claims that result from accidents, like slips and falls.

Solution

General liability insurance covers the damages caused by these accidents. It also covers product liability which protects your restaurant from claims arising from food-borne illnesses.

Liquor liability coverage

Risk Factors

You may be held liable if you caused or contributed to someone’s intoxication through the sale or service of liquor.

Solution

If your restaurant sells or serves alcoholic beverages, you’ll need to purchase liquor liability insurance to cover your business from any lawsuits filed against your business.

Business income coverage

Risk Factors

If a fire or another peril damages property at your restaurant and your business is forced to shut down, you could suffer a significant income loss.

Solution

To protect your business, you can avoid such events by purchasing a business income coverage.

Spoilage coverage

Risk Factors

Food stored in refrigerators or freezers may spoil if cooling equipment breaks down or shuts off due to a power outage.

Solution

You can insure your restaurant against costly spoilage losses by purchasing spoilage coverage.

Employee theft coverage

Risk Factors

Restaurant employees may steal their employers' food, cash, and other property.

Solution

Theft by employees is an excluded peril under a typical property policy. However, you’ll need to buy employee theft coverage to protect your business.

Tailored Restaurant Insurance for Small Business Owners in Maryland

If you're in the business of serving food or drinks, obtaining food liability insurance is essential. The food and beverage industry involves significant risks, which makes it crucial to protect your restaurant with comprehensive coverage. At Pillar Insurance Group LLC, we specialize in small businesses and work closely with restaurant owners in Maryland to understand their unique needs, ensuring they have the right protection.

Who Needs Restaurant Insurance in Maryland?

Any business involved in cooking and serving food should secure adequate restaurant insurance. This includes:

  • Bars / Taverns
  • Cafés / Coffee shops
  • Diners
  • Delis
  • Food delivery services
  • Fast food franchises
  • Lounges
  • Pizzerias
  • Sandwich shops
  • And many more!

Optimal Small Restaurant Insurance Coverage

Starting with a Business Owner's Policy (BOP) is highly recommended for those in the food and beverage industry. A BOP combines three essential coverages for almost any business:

  • General Liability
  • Commercial Property
  • Business Income

Additionally, restaurant owners with employees in Maryland are often required to have workers' compensation. Our team at Pillar Insurance Group LLC will help you navigate your restaurant business's specific risks and needs to find the right combination of coverage.

The Importance of Restaurant Insurance

Insurance protects the restaurant business you've worked hard to build and ensures it thrives. Despite your best efforts, issues can arise. That's where we come in. With Pillar Insurance Group LLC, you have an insurance partner that supports you through the unexpected. We offer coverage options designed for restaurant owners, providing comprehensive food and restaurant insurance.

Running a restaurant involves juggling many responsibilities, but we can alleviate some of that stress with the right coverage. Pillar Insurance Group LLC is dedicated to helping protect your small business in Maryland with insurance that works as diligently as you do, safeguarding against unforeseen events.

Don't wait for a mishap to realize the importance of insurance. Protect your restaurant today with the right coverage.

Contact us at Pillar Insurance Group LLC to learn how to secure your restaurant business in Maryland.

Restaurant Insurance Provided By Our Agency

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Pillar Insurance
We extend coverage to individuals and businesses in Ashton, MD and surrounding areas.
17830 New Hampshire Ave, Suite 203, Ashton, MD, 20861
240-722-6854
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