Restaurant Insurance

Keeping Restaurateurs and Restaurant Owners secure in York and Hanover, PA and beyond

If you’re a restaurant owner or an investor who co-owns a restaurant, you’ve most likely devoted considerable time and resources to your business. You’ll want the business to remain profitable and succeed under any circumstances if possible, so protecting your investment is necessary. At the Jeffers Insurance Agency we know restaurants and industry-specific risks well, and we know how to mitigate these risks through insurance plans.

We offer restaurant-specific coverages and risk control services to keep your business safe from the many exposures it faces.  We offer these coverages for restaurants of all kinds, whether they’re company or franchise-owned or independently owned or chain. They can be casual, fast food, and/or fine dining; we insure all restaurants. 

Your needs will vary depending on many different factors, and agents at Jeffers Insurance will help you find coverages that meet your needs. These agents will identify the right mix of protection and cost and will give you ways to save money and reduce expenses continuously. The services that our agents provide as they deliver the right solutions are expedient, friendly, and readily available. 

Coverages tailored to your Unique Needs

Standard coverages are common to most restaurants and protect these restaurants in much the same way that a homeowners policy protects a home and its owner. For example, most restaurants carry business owners policies (BOPs), which combine critical liability protections and safeguard existing investments. In addition, most restaurants need optional coverages that provide more complete protection and set up the businesses for continued financial stability. 

We will help you combine the right coverages for your needs, establish limits that are most appropriate, and work to keep your premiums at levels that suit you. Through specific endorsements and other optional coverages we will ensure that you’re legally compliant and protected against any risk that can be mitigated. 

We offer coverages from a number of the best insurance companies in the nation. These coverages include:

• General liability
• Product liability
• Liquor liability
• Hired and non-owned vehicles liability
• Building coverage
• Contents coverage
• Equipment breakdown coverage
• Food contamination coverage
• Loss of income coverage
• Coverage against employee crimes
• Workers compensation
• Unemployment insurance
• Life insurance
• Business owners policy (BOP)
• Business income for off-premises utility services coverage (OPUS)
• Computers and media coverage
• Data breach coverage
• Tenant’s legal liability coverage
• Business income from dependent properties coverage
• Employee benefits liability
• Employee practices liability (EPL)
• Umbrella insurance
• Inland marine
• Multinational

The types of coverages you need can drastically alter your restaurant insurance policy. For example, if your restaurant offers delivery services, specific coverages are needed. The law, in some cases, demands specific coverages from certain kinds of restaurants. Our agents go over each detail of your business with you so that you understand the coverages you need. These agents will ensure that you pay for only what’s required in order for your business to stay secure, and they’ll identify ways for you to reduce costs and save continuously. 

Finding a Solution with Jeffers Insurance

We have been providing insurance and risk management solutions to restaurant owners and restaurateurs for more than twenty years and have fifty years of collective experience providing specific-industry asset management and risk protection services. We know restaurants well and we know how control the risks they face through insurance. 

We’re able to compare rates and packages in order to for you to find the insurance plan that fits you best. We’re also able to work with you to ensure that your premiums are what you want them to be. In finding the right solution, we help you and your operation succeed; we also realize our investment in helping small businesses flourish. Our commitment to this investment is evident in every product and service we provide.

If you’re interested in more information, please contact us or give us a call. You’re also welcome to request a quote if you would like to know more about a policy with us. 

The Jeffers Insurance Agency is proud to provide restaurant insurance in York, Hanover, Lancaster, Harrisburg, Shrewsbury, and Mechanicsburg, PA. We also serve other areas throughout the state and we serve Maryland, New York, and Virginia as well.