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• Food and Beverage Business Insurance Solutions

Optional Business Insurance Solutions for Food and Beverage Companies

Shopping for insurance can be complicated, with an extensive menu of policies and endorsements that may or may not be right for your business. Below are some of our most popular insurance solutions for food businesses. Learn more here, then work with a Nationwide Business Insurance Agent to create the perfect policy.

Utility Services Coverage and Spoilage Coverage

If your restaurant inventory is ruined or if you have to close your restaurant because the one or more of your utilities has been interrupted, your food and beverage losses could be substantial. Both of these coverages can help you recover quickly with very little cash out of pocket.

Business Auto and Non-Owned Auto Coverage

This coverage would help pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time.

• Learn more about Business Auto Coverage

General Liability Insurance and Medical Payments Coverage

Despite our best efforts to avoid them, accidents can happen anytime and anywhere. Whether a result of their own negligence or that of your staff, if a customer is injured at your restaurant or coffee shop, you may be held responsible for any medical or liability expenses associated with their injuries. This commercial insurance solution for food and drink will help pay the claims.

• Learn more about Business Liability Insurance

Workers' Compensation Insurance

Burns, cuts and other injuries are occupational hazards in the restaurant business. If one of your employees is seriously injured, our coverage can pay for an injured employee’s medical treatment, replace part of lost wages if a job-related injury requires time off work, and protect your business and assets.

• Learn  more about Workers' Compensation Insurance

General Property Insurance and Outdoor Sign Coverage

Whether you lease or own your restaurant or ice cream shop building, chances are you have a lot invested in the property. Property insurance protects your building and its contents in the case of a loss due to fire or a burst water pipe, for example. If vandals or a storm destroy your sign, repair or replacement would be paid for.

• Learn more about Business Property Insurance

Business Income Insurance

This coverage is one of the most important business insurance solutions for food and beverage. If your restaurant or sandwich shop has to close because of a fire, natural disaster or other covered cause of loss, your customers won’t be the only people affected. You, your employees and your food vendors could risk a serious financial impact. If your restaurant if forced to close, we can help you keep up with your expenses.

• Learn more about Business Income Insurance

Employee Dishonesty Coverage

Because you work in a cash business, it’s difficult to completely prevent employee theft despite your best efforts. In the event of a costly, inside restaurant theft, we can help you recover from your losses.

Employee Practices Liability Insurance (EPLI)

No one likes to think that an employee is going to level a claim toward the boss, but it can happen to you, and it can be painful and costly to defend yourself. This coverage can help protect you and your restaurant if you are ever charged with discrimination, harassment or wrongful termination.

Sewer or Drain Coverage

If a torrential rainstorm or water main break causes your restaurant drain or sewer to back up, you’re in luck if you have our coverage. It will help pay for cleanup of the mess.

Umbrella insurance

This coverage is a way to add higher limits to your existing restaurant insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance could cover the difference. Can you afford to be without this insurance solution for food businesses?

• Learn more about Umbrella Insurance

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.