Bar and Restaurant Insurance

The claims against restaurants and bars can be many — and costly. Who could forget the infamous lawsuit against McDonald’s, where a customer suffered third-degree burns on six percent of her body after spilling a hot cup of coffee? She was awarded $600,000! What about the countless lawsuits that never make the news? How about bouncer-induced injuries that leave patrons with broken bones and teeth? Or an underage patron who was mistakenly served alcohol and attacked patrons with a hatchet concealed beneath his undercoat? Or a customer who chokes on a soup bone? Insurance for bars and restaurants will considerably help if a claim does occur.

Over the last 20 years, more than 4,000 people die each year due to choking, while some years top 5,000 deaths.  Some studies report that you are twice as likely to get food poisoning at a restaurant than compared to eating in. Note that these are just a couple of alarming statistics related to bars and restaurants.

Fact is, the most common types of accidents at restaurants are food poisoning, choking, slips and falls, broken teeth, and scalding. They can happen at any time, without any warning. And if the restaurant doesn’t do everything reasonably possible to protect its patrons, it’s in for it. The court will favor the customer due to the restaurant’s negligence.

To help prevent costly litigation, it is wise to go with an insurance company that writes customized policies for bar and restaurant insurance and will fight for your clients in the event of a lawsuit or claim.

Looking for the best bar and restaurant insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! We also require a phone call with the owner/applicant. Get started with your bar and restaurant insurance quote today by clicking the “Get a Quote!” button above.

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Bar and restaurant insurance is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating^® must be verified by visiting www.demotech.com.