Running a restaurant requires a lot of time, energy, and planning for the future.

But one leaky pipe, power outage, grease fire … or leaving the walk-in propped open overnight by accident … can change everything faster than you can say, “Order up!”

Running a restaurant is stressful enough without having to worry about things that constantly threaten the success of your hard work. But the right combination of coverage can help keep you focused on your passion, not the risks you’re taking.

Hidden restaurant risks to consider

According to restaurant supplier Cintas Corporation, identifying your risks before an incident occurs can help keep your restaurant running smoothly. Insurance coverage steps in when one of following incidents creates a liability, if you’re not willing to cover the costs out of pocket:

  • Slips and falls injure more than 3 million foodservice employees each year, with an average cost of almost $21,000 per claim.
  • Broken doors and locks create a substantial security risk for theft of equipment and kitchen stock, even in safe neighborhoods.
  • Cooking fires are a constant threat in kitchens. In fact, 57% of restaurant fires involve cooking equipment (occurring most frequently around 10 a.m.) An estimated 5,900 restaurant building fires occur annually, resulting in $246 million in property loss annually.
  • Identity theft in high employee turnover occupations is risky for business, either via lackadaisical handling of former employee paperwork, or theft of the owner’s identity by an employee.
  • Unfocused employees and untrained workers can create substantial liability: you never know when a customer will choke, have heart attack or Sudden Cardiac Arrest (SCA).
  • Improperly mixed cleaning chemicals may expose guests or staff to potentially toxic fumes, leading to liability claims.
  • Natural disasters and power outages can happen in any part of the country, at any time, and leave a devastating impact on restaurants in its wake.

We understand Washington’s unique restaurants

In many ways, putting the right insurance coverage together is a lot like ordering from a menu. You have lots of coverage choices, because each restaurant has unique liabilities and insurance needs. For example, a large restaurant with a bar will need dramatically different coverage than a small café, or food truck.

To accommodate these various requirements, we offer a wide range of restaurant insurance coverage and combination options for you to choose from, including:

  • General Liability
  • Excess Liability
  • Workers Compensation
  • Commercial Auto
  • Commercial Property
  • And much more!

Who needs restaurant insurance in Washington?

Given the limited budget many Washington restaurants operate from, large or unexpected expenses like a lawsuit, could lead to big problems.

The right insurance coverage will help to guard against the biggest (or worst) risks is a wise move for any business, but especially restaurants.

We specialize in providing coverage for a wide variety of restaurants in Washington, including:

  • Bar Insurance
  • Café Insurance
  • Cafeteria Insurance
  • Catering Insurance
  • Diner Insurance
  • Deli Insurance
  • Food Delivery Insurance
  • Fast Food Insurance
  • Fine Dining
  • Food Trucks
  • Pizza Restaurant Insurance
  • Lounge Insurance
  • Event Coverage Insurance
  • AND even highly specialized restaurants requiring specialized plans

We can help you navigate the issues facing the type of business you already own, or one you wish to create.

What’s covered in a restaurant insurance policy?

There are always important areas to cover when creating a solid restaurant insurance plan. And we can help you decide how to protect you best. These coverage choices may include:

Property Insurance to protect your building in the event of fire or other problems. It may not cover natural disasters, such as floods or earthquakes (see below for a policy that does.) If you have any kind of mortgage, however, you should consider this policy.

General Liability is an umbrella policy, which—just like the name sounds—is there to protect your a sudden downpour …  if someone slips and falls in your restaurant, or becomes ill after eating (even if it wasn’t your fault.) In today’s sue-happy world, this is a must.

Liquor Liability covering restaurants that serve alcoholic beverages. Most states require liquor liability to keep your liquor license in good standing. Regardless of the law, it can protect you in the event one of your customers is over the limit, drives, then hurts themselves or someone else.

Restaurant Vehicles may also need to be covered in some cases. If you have a company vehicle, food trucks, or offer catering for events, this is especially good coverage to maintain.

Life Insurance may be required if you carry a mortgage. But even if not required, carefully consider the people in your life who depend on you day to day. If something should happen to you, ask yourself: would your family be able to continue to run a restaurant or meet financial obligations?

Business Interruption Insurance can replace part of your income if you lose sales through a covered cause. It may also provide protection against lawsuits and other financial liabilities that result from customers slipping on a wet floor, or building damage from fire, or lawsuits and other business related risks.

Workers’ Compensation Insurance can help cover medical costs and a portion of lost wages for employees who become sick or are injured on the job.

Business Crime Insurance protects you from losses both within and outside your restaurant from employee theft, robbery and forgery.

Food Contamination Insurance protects your walk-in inventory or freezer contents if you lose power due to fallen power lines or a storm.

Specific Peril Insurance covers many natural disasters that general liability insurance won’t, such as earthquakes, hurricanes, floods, wildfires, power outages, etc,

If your restaurant insurance misses just one aspect of protection you need, your job and your company could be placed in serious risk.

What about the cost?

Fact is, you can’t afford not to have coverage. Understandably, price is always a concern for restaurants. But with a custom insurance policy from Guide Insurance, Washington restaurateurs are in control of what types and amounts of coverage you want to pay for, and when. So it can still be surprisingly affordable.

But talking to a local resource you can trust is the first priority.

The Guide Insurance Services Difference

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to protecting your business, income, and family.

We’re your neighbors. We protect people we know and care about in Washington, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Since 1952, Guide Insurance Services has devoted its knowledge and combined experience in the industry to deliver quality insurance policies to individuals and businesses surrounding Lynden, Washington.


Our team of knowledgeable insurance professionals is experienced in creating personal and commercial insurance policies designed to fit your needs. With Guide Insurance Services, our friendly staff will work with you on a one-on-one basis to develop not only the perfect policy, but a lasting relationship.

Click on the quote request button now and let the professionals at Guide Insurance Services help you forge the strongest shield possible to help you protect the things you care about most.