Serving Those Who Serve.

Comprehensive protection for Connecticut's Restaurants, Bars, Cafes, and Food Trucks.

The Kitchen is a Dangerous Place

Running a restaurant means managing chaos. Between sharp knives, hot grease, slippery floors, and alcohol service, your risk exposure is higher than almost any other Main Street business.

At River East Insurance, we understand the difference between Front of House and Back of House risks. A standard business policy isn't enough when a freezer compressor fails overnight or a patron has too much to drink.

We build policies that protect your inventory, your liquor license, and your employees, so you can focus on the menu.

Establishments We Insure

From fine dining to takeout, we have a market for you.

Fine Dining & Family Style
Bars, Taverns & Pubs
Coffee Shops & Bakeries
Food Trucks & Ghost Kitchens
Pizza Shops (Delivery Coverage)
Caterers

Critical Coverage for Hospitality

Liquor Liability

If you serve alcohol, this is mandatory. It protects you if a patron gets intoxicated and causes injury or damage after leaving your establishment. Do not rely on General Liability for this.

Assault & Battery Coverage
Defense Costs
License Protection

Food Spoilage

If your walk-in cooler dies during a heatwave or a storm knocks out power, you could lose thousands in inventory. Spoilage coverage pays to replace that food.

Power Outage Coverage
Mechanical Breakdown
Contamination Cleanup

Workers' Compensation

Kitchens are prone to burns, cuts, and slips. Workers' Comp pays for medical bills and lost wages for injured staff, protecting you from lawsuits.

Medical Expenses
Lost Wages
Pay-As-You-Go Billing Options

Equipment Breakdown & Fire

What happens if your Ansel system goes off? Or your primary oven cracks? Business Interruption insurance is a lifeline.

It covers your lost income and fixed expenses (like rent and payroll) while you are closed for repairs after a covered loss. We ensure your policy includes "Utility Services" coverage so you are protected even if the disruption happens off-site.

✔ Delivery Driver Liability: Are your drivers using their own cars? You need Hired & Non-Owned Auto coverage.
✔ Employee Dishonesty: Protection against theft of cash or inventory by staff.
✔ Employment Practices (EPLI): Protection against claims of harassment or wrongful termination.

Review My Kitchen Coverage

Common Restaurant Insurance Questions

How is Liquor Liability calculated?

Premiums are typically based on your total liquor sales receipt and the type of establishment you run (e.g., a bar pays more than a fine dining restaurant).

Does my policy cover UberEats/DoorDash?

Generally, yes, for the food product itself. However, liability transfers to the delivery platform once the driver picks it up. We help you understand where your risk ends.

What if a customer chips a tooth?

This falls under General Liability (Bodily Injury). It's a common claim, and we ensure you have "Medical Payments" coverage to handle small incidents quickly without a lawsuit.

Is Valet Parking covered?

Not automatically. You need "Garagekeepers Legal Liability" to cover damage to customers' cars while they are in your care.