Slips and falls cause 30% of all liability claims. Equipment downtime can cost $30,000/hour. Foodborne illness lawsuits? Up to $100K. Whether you run a corner café or a national chain, risk is everywhere. The right insurance protects your people, property, and profits.
Running a food and beverage business isn’t just about delicious menus and satisfied customers. Every day, restaurants, cafes, and catering companies face risks that can threaten their financial health and reputation.
From minor kitchen mishaps to major equipment failures, risks lurk in every corner of a commercial kitchen. And when things go wrong, the financial fallout can be severe.
Slip and fall accidents account for 30% of liability claims in the F&B industry.
According to Clara Analytics, these are the leading cause of injury claims in restaurants and similar establishments.1
Defending against a single slip and fall lawsuit can cost $20,000 to $50,000, even before considering potential settlements or judgments.
When essential kitchen equipment fails, the costs aren’t limited to repairs or replacement. Downtime can cost businesses up to $30,000 per hour, especially when it disrupts service during peak periods.2
Insurance covering equipment breakdown and business interruption can be the difference between a manageable inconvenience and a business-ending disaster.
Foodborne illness outbreaks, liquor liability incidents, and even cyberattacks targeting payment systems can all lead to costly claims.
For example, the average foodborne illness liability claim can exceed $100,000, especially if multiple customers are affected or if the case draws media attention.3
The right insurance portfolio doesn’t just cover accidents. It can also protect against:
Business Interruption: Covering lost income during repairs or closures.
Product Liability: In case food or beverage products cause harm.
Cyber Liability: Especially important as online orders and digital payment systems grow.
Liquor Liability: If alcohol service leads to accidents or legal issues.
In an industry where profit margins are slim and risks are many, insurance isn’t just a regulatory checkbox—it’s the backbone of resilience. Whether you’re running a corner bakery or a high-end restaurant group, comprehensive insurance ensures that when the unexpected happens, your business can keep serving customers another day.
Because every plate served carries passion—and risk. Insurance makes sure only the passion is served.
The food and beverage industry is filled with hidden risks, from slip-and-fall accidents to equipment failures and liability claims. Insurance provides a crucial safety net, helping businesses survive disruptions that could otherwise be financially devastating. In a fast-paced, high-risk environment, the right coverage ensures that passion—not crisis—remains at the center of every plate served.
read More
In the hospitality industry, risk often hides behind the scenes—from slip and fall accidents to devastating property damage and rising cyber threats. With 40% of hotel liability claims tied to falls and billions lost annually to fires and data breaches, even one incident can threaten a business’s future. Insurance isn't just about covering losses—it’s about protecting your people, your property, and the trust your guests place in you.
read More
Injuries, lawsuits, equipment damage, and weather disruptions can cripple teams and leagues. Whether you're coaching youth soccer or running a local softball league, the right coverage protects your players, volunteers, and events. Learn how to stay in the game—safely.
read More
The world of insurance is evolving rapidly, driven by new risks, technological advancements, and shifting business needs. Whether you're in gaming, motor sports, or hospitality, staying ahead of these trends is essential for protecting your operations and achieving peace of mind. Here are the top five insurance trends shaping the industry in 2025.
