Restaurants Insurance

We specialize in helping restaurants with their insurance and risk management.  Being in the hospitality business is different than many other businesses, and we understand those differences.  Our specialists are able to tailor insurance and risk management solutions for our clients to meet their specific needs.

We are independent agents and represent a number of different insurance companies.  We are able to provide the best possible cost and coverage combination for your restaurant's insurance needs.  Our experienced staff understands the challenges of running a restaurant and the coverage needed to protect your business.

Customized Coverages – With our knowledge and experience in insuring restaurants, we know what coverages are critical and what coverages are merely desirable.  Our objective is to provide each restaurateur with a customized insurance program at the lowest possible price.

Loss Control – We work with our clients on how to proactively avoid claims from occurring.  Loss prevention is the most effective claims management tool of all.

Response – Our promise to you is to respond quickly to your needs. 

Clients First – We are more than just insurance agents, we are advisors to our clients.  As such, we search for the most cost-effective ways to cover the insurance and risk management needs of our clients. 

Broad Coverage Options

We have a number of programs, including packages which include business liability protection, property coverage and crime.  Whether you have a single location or multiple locations, or if your restaurant is elegant, trendy, traditional, ethnic, or home-style, we can tailor a solution for you. We insure all types of eateries including:

  • Buffets
  • Cafés
  • Cafeterias
  • Carry-out
  • Coffee shops
  • Delis
  • Diners
  • Drive-ins
  • Fast food
  • Family-style
  • Fine dining
  • Luncheonettes
  • Sandwich shops
  • And more!

Some coverage options available to help you meet  your insurance needs include:


  • Buildings at replacement costs or actual cash values
  • Automatic increase in building amount
  • Contents at replacement costs or actual cash values
  • Contents increase for seasonal fluctuation
  • Comprehensive equipment breakdown coverage
  • Coverage extension to newly acquired buildings and contents
  • Fire department service charge and extinguisher recharge cost
  • Debris removal and pollutant cleanup cost
  • Loss of income and extra expense on an actual loss sustained basis for 12 months or other extended period
  • Computer equipment including media and records
  • Earthquake or earthquake sprinkler leakage
  • Transportation/transit coverage
  • Loss of income and extra expense from power interruption
  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
  • Spoilage coverage
  • Back up of sewers or drains
  • Accounts receivables and valuable papers coverage


  • Employee dishonesty
  • Forgery and alteration
  • Money orders and counterfeit currency
  • General and other liability
  • Money and securities - inside and outside of the premises

 Operations and Premise liability

  • Workers compensation
  • Automobile, hired and non-owned automobile liability
  • Liquor liability
  • Employee benefits
  • Advertising injury liability

Contact us today to find out more about how we can custom design a program for your restaurant.


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Insurance Products:

  • Are not FDIC Insured
  • Are not Bank Guaranteed
  • May Lose Value

Are not deposits or other obligations of Berkshire Bank (the "bank") or any bank affiliate; Are not guaranteed, issued or underwritten by the FDIC, the bank or any bank affiliate; Are not insured by any agency of the US, the bank or any bank affiliate; Are not a condition to the provision or term of any banking service or activity; Need not be negotiated or purchased through any particular person as a condition of any financial transaction or service; May be purchased from any agent or company and the customer's choice will not affect current or future credit decisions; and Involve an investment risk, including possible loss of principal or loss of value. The market value of the investment may fluctuate, causing possible loss of principal amount invested.


Insurance is offered through Berkshire Insurance Group, Inc. Berkshire Insurance Group, Inc. is a licensed insurance agency and non bank affiliate of Berkshire Bank and is not a chartered bank or trust company, or depository institution. Berkshire Insurance Group, Inc. is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.


Berkshire Insurance Group, Inc. is neither a tax nor legal advisor. We suggest you consult with your personal tax and/or legal advisor before making any tax-related or legal decisions. You should consider an annuity's risks, charges, and expenses carefully before investing. Annuity withdrawals made prior to age 59 1/2 may result in an IRS penalty. Consult with your tax advisor.


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