Insurance Resources & Guides

Expert insights to help you understand commercial insurance and protect your business.

Coverage Guide

Restaurant Cyber Insurance 101: POS Breaches, Ransomware, and Vendor Incidents

Understand the three most common cyber risks for restaurants and how cyber insurance protects your business.

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Coverage Guide

Getting Liquor Liability Quotes: What Carriers Want (Training, IDs, Incident Logs, Hours)

Prepare for faster liquor liability quotes by understanding what underwriters ask about training, ID checks, incident logs, and operations.

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Coverage Guide

Liquor Liability Insurance Cost for Restaurants: The Biggest Pricing Factors

Understand what drives liquor liability insurance pricing for restaurants and bars, from alcohol sales to training programs.

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Coverage Guide

Do You Need Liquor Liability If You Only Serve Beer & Wine? Common Carrier Rules

Beer & wine operations have lower risk than full bars, but do you still need liquor liability insurance? Understand carrier rules and requirements.

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Coverage Guide

Liquor Liability vs General Liability: What's Covered Where (and the Gaps That Surprise Owners)

Understand the critical differences between liquor liability and general liability coverage and avoid dangerous gaps in protection.

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Coverage Guide

BYOB, Beer & Wine, Full Bar: How Alcohol Service Changes Your Liability Risk

Different alcohol service models carry different liability risks. Learn how BYOB, beer & wine, and full bar service affect your insurance needs.

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Coverage Guide

Liquor Liability Insurance for Restaurants: What 'Dram Shop' Exposure Means in Plain English

Understand dram shop laws and how liquor liability insurance protects your restaurant or bar from alcohol-related claims.

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Tips & Advice

Restaurant General Liability Checklist: What Underwriters Ask (So You Can Get Quotes Faster)

A complete checklist of information underwriters need to quote general liability insurance for restaurants, so you can get quotes faster.

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Tips & Advice

General Liability Insurance for Restaurants: Typical Cost Drivers (Sales, Footfall, Hours, Seating)

What drives the cost of general liability insurance for restaurants? Learn how sales, seating, alcohol service, location, and claims history affect your premium.

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Coverage Guide

Do Restaurants Need General Liability for Landlords & Vendors? COIs + Additional Insureds

Understand Certificate of Insurance (COI) requests and additional insured requirements for restaurant landlords, vendors, and event organizers.

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Coverage Guide

Restaurant General Liability Limits Explained: $1M/$2M vs Higher Limits

Choosing the right general liability limits for your restaurant. Understand per occurrence vs aggregate limits and when to consider higher coverage.

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Coverage Guide

Slip-and-Fall Claims at Restaurants: How General Liability Actually Responds

Slip-and-fall claims are the most common restaurant liability exposure. Learn how general liability insurance responds and what makes claims defensible.

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