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Restaurant Insurance Solutions

Restaurant Insurance Solutions
Built for Hospitality Risks

One Bad Shift Shouldn’t Derail Your Entire Business.

From slip-and-falls to foodborne illness, the risks that restaurants face are constant—and evolving. Sahouri delivers restaurant insurance solutions backed by decades of industry insight and top-tier carrier partnerships, so your coverage works as hard as you do.

One Bad Shift Shouldn’t Derail Your Entire Business.

Understanding the Most Frequent Risks in Hospitality

The restaurant industry is uniquely exposed to a wide range of claims—some predictable, others evolving with consumer behavior and operations. To help you plan proactively, we've highlighted the most common types of losses from the past three years, based on national industry data and firsthand claims insights.

Equipment Breakdown

Equipment Breakdown

Employee Injury

Employee Injury

Customer Slip-and-fall

Customer Slip-and-fall

Theft & Vandalism

Theft & Vandalism

Credit Card Chargebacks

Credit Card Chargebacks

Preventing Claims Before They
Disrupt Service

Here are some actionable insights restaurant owners can apply—based on hospitality risk best practices and common industry scenarios—so they can proactively reduce exposure and operate with more confidence:

01.
Risk Assessments & Safety Audits

Regular on-site evaluations to proactively identify and correct hazards in kitchens, dining areas, storage spaces, and high-traffic zones.

02.
Employee Safety Training

Mandatory onboarding and periodic refreshers covering kitchen safety, PPE use, safe lifting techniques, food handling, fire protocols, and responsible alcohol service.

03.
Contractual Risk Transfer

Structured use of vendor agreements, waivers, and indemnification clauses to reduce liability from third-party partners and contractors.

04.
Incident Reporting Protocols

Clear, tech-enabled systems for logging near misses and minor incidents, enabling early intervention and trend analysis.

Our Products

What We Cover for Restaurants

Core Coverages

General Liability Insurance

Protects against third-party bodily injury and property damage claims.

Commercial Property Insurance

Covers damage to your building, kitchen equipment, signage, and more due to fire, theft, or vandalism.

Business Interruption Insurance

Helps replace lost income if you’re forced to close temporarily due to a covered event.

Workers’ Compensation Insurance

Covers medical costs and lost wages for employees injured on the job.

Equipment & Operational Coverage

Equipment Breakdown Insurance

Covers repair or replacement of essential kitchen equipment after a mechanical or electrical failure.

Food Spoilage & Utility Interruption Coverage

Protects against perishable inventory loss due to equipment breakdown or power outages.

Specialized Coverages

Liquor Liability Insurance

Covers claims involving alcohol-related incidents, including serving underage or overserved patrons.

Cyber Liability Insurance

Helps cover costs related to data breaches, including legal fees and customer notifications.

Employment Practices Liability Insurance (EPLI)

Covers claims involving wrongful termination, discrimination, or harassment.

Contingent Business Interruption

Covers income loss caused by disruptions in your supply chain.

Commercial Auto / Hired & Non-Owned Auto

Covers company vehicles and liability when employees use their personal cars for business.

Umbrella / Excess Liability

Provides additional protection beyond your policy limits for high-cost claims.

Our Services

What We Deliver Beyond Coverage

Health & Benefits Services

Health & Benefits Services

Custom Plan Design
HR Consulting & Benefits Administration
Payroll, Talent Acquisition, and Performance Strategy
Virtual Care or Telehealth Services
Cost Analysis and Containment
Claims Analysis and Management
Insights from Industry Benchmarks
Employee Communication, Training & Education
Retirement Planning Management
Executive & VIP Services
Additional Professional Services
Property & Casualty Services

Property & Casualty Services

Coverage Selection & Renewal
Compliance Support & Regulatory Guidance
Loss Control Services & Technology
Business Continuity/Disaster
Recovery Planning
Claims Analytics & Management
Fleet Safety Management
Executive & VIP Services
Additional Professional Services

Our Carrier Partners

We work with top-rated carriers that understand the unique needs of hospitality businesses.

What our Clients
are Saying

Since 1970, we have treated our clients with the highest levels of attention and care. Our client-centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can advocate on their behalf.

Speak with an Advisor Who Knows Hospitality

Schedule a consultation with a Sahouri advisor who understands the realities of hospitality risk.

Schedule a Consultation