Thursday, October 2, 2014

We can insure your restaurant - Great Coverage and Competitive Prices!

Protect your Restaurant from the unexpected!

We know the restaurant insurance marketplace and work with multiple companies with appetites for restaurants to give you the most competitive coverage available. Just as each restaurant is different, every insurance company has their unique underwriting. Some have strict guidelines in order to maintain the best pricing while others are more open to alternative types of risks that some restaurants present. You can have the best of both worlds.

Much Can Go Wrong in your Restaurant Due to the Nature of the Business
Fire, Slip and Falls, Equipment Breakdown, Food Spoilage, Employee Theft
  • Claims cost you more than money. They cost time and grief. 
  • How long will it take to get back in business? 
  • Who pays your employees, the electric bill, phone water, sewer? 
  • Do you have coverage?
  • Are you covered correctly?
We Cater to ALL groups
Here is a partial list of groups that we can help:
  • Restaurants
  • Bars
  • Nightclubs
  • Private Clubs
  • Fine Dining
  • Fast Food
  • Delivery
  • Taverns
  • Convenience Stores
  • Package Liquor Stores
  • Banquet Facilities
  • Fraternal Organizations

Our "Menu" of services

Restaurant Insurance FAQs

We understand that each business has unique needs and flexibility with insurance is key!  Here is our menu of services we can offer you:


  • Flexible Underwriting
  • Safety Program
  • Flexible Billing Plans
  • Seasonal Coverage
  • Loss Control Services
  • Security Camera Credit
  • Dock Coverage including Snow Collapse


  • Business Income
  • Theft
  • Employee Dishonesty
  • Medical Payments Coverage
  • Money & Securities
  • Disparagement of Reputation
  • Hired and Non-Owned Auto
  • Ordinance & Law


  • Food Contamination
  • Equipment Breakdown
  • Spoilage
  • Employee Theft
  • Forgery or Alteration
  • Backup of Sewer
  • Valuable Papers & Records
  • Credit Card Forgery

Sweet Stuff

  • Coverage Review
  • Power Interruption
  • Key Employee Life Insurance
  • Delivery Coverage Catering
  • Free Building Valuation
  • Employee Benefits
  • EFT Available

From the Bar

  • Liquor Liability
  • Assault & Battery Coverage (Many policies exclude this)
  • Server Training
  • Happy Hour

We cover you 24/7, so when the unforeseen happens you have peace of mind!


Restaurant General Liability
Defends you from covered lawsuits such as
bodily injury and property injury you cause.
Physical damage coverage for your
buildings; tenants, improvements and
business personal property.
When employees have accidents such as slip
& falls, cuts, burns, and other injuries, workers
comp pays for medical bills and time off
while protecting you at the same time.
Not just for your Mai Tai. This covers you
when your underlying liability limits run out,
to further protect your restaurant business

Delivering all of your restaurant needs - Insure the Lake!

If set up properly by your agent, your insurance company helps with all of these. You don't have to close the doors for good. You can have peace of mind.   Contact us for a FREE quote request.

Steve Naught, CIC

3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191
Send Email