Insurance Programs for Restaurants

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No two restaurants are the same, and neither are their insurance needs. From coffee shops and delis to fine dining establishments, each type of restaurant comes with unique risks. The differences between a single-location café and a multi-unit franchise, along with varying services like liquor sales, valet parking, and checkroom operations, mean that a one-size-fits-all policy simply won't do.

At Hutchinson & Co., we take the time to understand your specific business and tailor an insurance program that fits. Our coverage options include liquor liability, protection against food spoilage and contamination, coverage for checkroom theft, crime and employee dishonesty protection, valet liability, and more.

Beyond coverage, we help restaurant owners implement risk management strategies such as employee training, loss control measures, and claims management programs to minimize risks like high employee turnover and insurance costs. Our goal is to help you stay focused on running a successful restaurant while we handle the complexities of protecting it.

With years of experience insuring restaurants across Missouri, Hutchinson & Co. is here to help safeguard your business from unexpected challenges. Let's create a customized plan that works for you.

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