As a restaurateur, you understand the delicate balance of ingredients needed to run a successful business. Managing your menu, staff, and customer experience is hard enough without worrying about the unexpected—like food spoilage from equipment breakdown, fire damage, or employee and customer injuries.
That’s where Sprouse Insurance/OneDigital steps in. Restaurant insurance helps protect your business from the risks you face daily so you can focus on what truly matters: your food, your customers, and delivering an exceptional dining experience.
Who Needs Restaurant Insurance?
We provide insurance solutions for all types of food service businesses, including:
- Bars
- Cafés
- Cafeterias
- Caterers
- Diners
- Delis
- Food Delivery Services
- Fast Food Establishments
- Pizza Restaurants
- Lounges
Whether you’re running a family-owned diner or a trendy new lounge, we understand that each establishment is unique. Our team specializes in navigating the specific challenges your business faces, ensuring that you have the right coverage to match your operations.
What’s Covered in a Restaurant Insurance Policy?
A comprehensive restaurant insurance plan typically includes these key areas:
- Business Owners Policy (BOP): Protects against general liability, property damage, and loss of income due to business interruptions. Coverage may include customer injuries, fire damage, or other operational risks.
- Workers’ Compensation Insurance: Helps cover medical costs and a portion of lost wages for employees injured or sick on the job.
- Business Crime Insurance: Protects against theft, robbery, forgery, or employee dishonesty.
- Restaurant Vehicle Insurance: Provides protection for business-owned vehicles used in daily operations or food delivery.
With the right coverage, you’ll be prepared for whatever challenges come your way.
Worried About the Cost?
At Sprouse Insurance/OneDigital, we specialize in protecting restaurants like yours. One of the best reasons to invest in restaurant insurance today? You’ll be surprised at how affordable it is to safeguard your business.
We offer:
- Monthly payment options to help you manage cash flow effectively.
- Coverage for temporary staff, full-time employees, and independent contractors.
- Responsive claims service to handle urgent issues promptly.
- Policies tailored to the unique risks of your restaurant type.
- Exceptional service from knowledgeable agents passionate about protecting your business.
The Sprouse Insurance/OneDigital Difference
Choosing the cheapest policy may seem appealing, but you might not get the protection you truly need. At Sprouse Insurance/OneDigital, we know every restaurant is different, and a one-size-fits-all policy simply won’t do.
We’re proud to serve our neighbors in Fremont, Genoa, Gibsonburg, Oak Harbor, Woodville, Millbury, Port Clinton, and Clyde. That means we take the time to understand your needs and carefully select responsive, affordable insurance options designed for your success.
Click the quote request button today and let the professionals at Sprouse Insurance/OneDigital help you craft a strong shield of protection for your restaurant, so you can keep serving your community with confidence.