Hospitality General Insurance Service’s owners and staff have specialized in Restaurant Insurance since 1979. Restaurants are a unique risk and like a finger print, no two restaurants are exactly the same. HGIS restaurant insurance programs are flexible enough to provide coverages for your unique needs.

Our Restaurant Insurance Programs will write all types of restaurants, bars, nightclubs, deli’s etc… HGIS’s programs are underwritten with A-rated carriers or better. Below is a list of coverages that our programs provide:

Property Highlights

(note: coverages can be changed to fit your business needs)

Property coverage covers your Building and Business Personal Property for replacement cost. You can choose to have coinsurance or none at all.

General Liability Highlights

(note: coverages can be changed to fit your business needs)

General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.

General Liability

• Limits of $1 million per occurrence / $2 million aggregate are standard on our Restaurant Program. There is an option for higher limits of $2 million per occurrence / $4 million aggregate.

Advertising Injury and Personal Injury

Medical Expenses

Damage to Premises Rented to You

Blanket Contractual for all insured contracts (optional)

Limited worldwide coverage

Products and Completed Operations

Employers Practice Liability Insurance: (optional)

Protect your business from your employees. Workers Comp does not cover everything. EPLI coverage is an option in our program. EPLI can cover the following types of risks:

• Discrimination
• Wrongful Termination
• Sexual harassment

Valet Parking (optional)

• Damages to Customers’ Autos (limits can be adjusted per risk)

Employee Benefits

(note: coverages can be changed to fit your business needs)

Employee Benefits such as Workers Compensation and Health Insurance are coverages our agency can offer. We understand that every risk is different and our staff works towards finding the right coverages for your employees.