Restaurant Insurance Program

Restaurant Insurance Program

Wright’s Restaurant Insurance Program is backed by a team of specialists with nearly two decades of experience serving the insurance needs of the restaurant industry. The Wright Restaurant Insurance Program offers:

  • Competitive pricing and an easy quoting process
  • Broad coverage / Restaurant-Specific Enhancement
  • Risk Control Services
  • Efficient claims handling
  • Long-term, stable solutions

Who We Insure

Our Restaurant Insurance Program provides coverage and services tailored to meet the needs of:

  • Table-service restaurants throughout the U.S.
  • Liquor receipts less than 35% (restaurants with receipts greater than 35% will be considered on an exception basis).
  • Limited catering.
  • Minimum Premium $10,000

Ineligible insureds and operations not covered include fast-food restaurants, entertainment/dance floor venues, and tableside cooking.

Specialized Loss Prevention and Risk Management

Our experienced and innovative risk control team provides valuable guidance and services to help your restaurant clients reduce risks, injuries, and damage to property. Value-added services provided through our Wright Restaurant Insurance Program include:

  • Review of carrier inspections of facilities and assist with recommendations
  • Risk assessments
  • Newsletters
  • Consulting — access to risk management professionals
  • Sample insurance requirements
  • Risk transfer policy assessments
  • Coordinate risk control services and inspections
  • Unique risk management tools geared toward reducing slips and falls

Comprehensive Property and Casualty Coverage for Franchise Table Service Restaurants.

The Wright Restaurant Insurance Program is a comprehensive program offering all these coverages in one convenient package:

  • Property
  • General Liability
  • Business Income (Actual Loss Sustained option is available)
  • Crime
  • Equipment Breakdown
  • Food Spoilage
  • Liquor Liability
  • Commercial Auto
  • Commercial Umbrella ($5M capacity in the program) Additional limits available.
  • Enhanced Property Form
  • Restaurant Enhancement Endorsement
  • Cyber

Interested in Wright Specialty’s other food programs?