What restaurants & food service typically need
Based on our experience working with restaurants & food service across Kentucky, Indiana, and Tennessee, here are the coverage types you should have in place:
- General liability
- Commercial property
- Workers compensation
- Liquor liability
- Food contamination/spoilage
- Business income coverage
- Hired and non-owned auto
Kentucky-specific requirements
Kentucky restaurants serving alcohol need separate liquor liability coverage. Food trucks need commercial auto plus GL. Workers comp is required.
We represent top-rated carriers including specialty markets for restaurants & food service, which means we can often find coverage that generalist agencies cannot. We also handle certificates of insurance, additional insured endorsements, and audit support.
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Why choose The Way Agency for restaurants & food service insurance?
Industry experience. We understand the specific risks, contract requirements, and coverage gaps that restaurants & food service face. We don't sell generic policies - we build programs that match real-world operations.
Carrier access. As an independent agency, we access markets that captive agents and direct-to-carrier sites cannot. For specialty trades, this access is the difference between getting covered and getting declined.
Certificate management. We handle COIs, additional insured requests, and evidence of coverage quickly. When you need a certificate for a job site by tomorrow morning, we make it happen.
Claims advocacy. When something goes wrong on a job, we help you navigate the claims process and push back on the carrier when needed. We work for you, not the insurance company.