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Garrett-Stotz knows the potential exposures that exists in the restaurant business. Whether you’re a small diner or café, large multi-location restaurant chain, local fine dining establishment, bar, or even caterer, we can help address key coverages that exist within your establishment. Serving Louisville, KY and surrounding areas, we have the experience and expertise to structure an insurance program specifically designed to address the challenges that a restaurant potentially faces each day of operation.

We offer the following restaurant coverage:

  • Crime/Employee Dishonesty
  • Freezer Contents/Spoilage
  • Computers/Electronic Data/Media
  • Water Back Up of Sewers & Drains
  • Sign Coverage
  • Workers' Compensation
  • Liquor Liability - if alcohol is sold, distributed, manufactured, or served
  • Employment Practices Liability
  • Garage Keepers & Garage Liability - if you valet park customer vehicles

If your business manufactures, sells, facilitates the use, or serves alcoholic drinks, liquor liability for restaurants and bars is a key coverage for your operation. Having employees properly trained on selling alcoholic drinks, proper measuring of mixed drink levels, and identifying intoxicated customers that exist on your premises will help reduce your exposure of a liquor liability claim from occurring. Note: When available adding umbrella coverage to your liquor liability is also a huge advantage in protecting your business.