Restaurants, Cafés, Bars & Taverns
Insurance That Gets the Grind
Restaurant owners and managers work long hours to create the perfect experience — from back-of-house prep to front-of-house hospitality. Every detail matters. And when things go wrong, you need to know your insurance is dialed in — not guess, not wait, and not hope the agent on the other end actually gets it.
I spent over 10 years in the restaurant world before moving into insurance. I’ve opened bars, worked kitchens, and closed tabs at 2am. I know what it’s like when the freezer goes out, when a staff member slips, or when a guest leaves angry — and I know what’s at stake if you’re not covered the right way.
At BuiltRite Risk Solutions, we build coverage that works behind the scenes so you can keep the front of house running. We’re here to help you stay protected, stay open, and stay focused on what matters: your guests and your team.
Key Coverages That Actually Matter
General Liability
Covers slips, trips, and accidents involving customers or third parties. It’s your first layer of protection — and many landlords require it.
Liquor Liability
If you serve alcohol, this isn’t optional. It protects your business from claims when a guest causes harm after being overserved. We’ll also guide you on smart ways to reduce risk — like making sure your staff stays TABC certified and getting your managers TIPS-trained.
Workers’ Compensation
Kitchens are tough environments. Sharp knives, wet floors, fast pace — and it only takes one incident to sideline a team member. Workers’ comp helps cover medical costs and wages so your people — and your business — can recover.
Food Contamination & Spoilage
One broken cooler can wipe out thousands in product. This coverage helps you recover from equipment failure, power outages, or contamination — without having to eat the loss.
Business Income (Interruption)
If a fire, storm, or equipment issue forces you to close temporarily, this coverage helps keep cash flow coming so you can pay your team, cover rent, and stay afloat while repairs are made.
Employment Practices Liability (EPLI)
Turnover is high in this industry — and employment claims happen. EPLI covers you against lawsuits related to harassment, wrongful termination, discrimination, and more.
Optional Add-Ons We Often Recommend
Equipment Breakdown Coverage
Outdoor Seating & Signage Protection
Delivery Driver (Hired & Non-Owned Auto)
No Fluff. Just Straightforward Coverage.
You don’t have time to chase down your agent or read through 40 pages of insurance-ese. You need to know it’s handled — and handled by someone who understands the hours, the margins, and the pressure that come with this industry.
That’s what we do. Whether you’re opening your first coffee shop or managing multiple locations, we’ll help you get the protection you need without slowing you down.
Let’s Talk
If you’re ready to review your coverage, get a second opinion, or finally work with someone who gets the restaurant world — we’re here when you are.