RESTAURANTS & BARS

The Restaurant and Bar segment of CS&A’s Commercial Division takes great pride in utilizing our training and expertise in this industry to service the very specific needs of our clients in meeting their business goals. We live in an ever-changing world and strive to stay abreast of all the coverages necessary to properly insure your Restaurant or Bar operation.

General Liability
Workers Compensation
Building Property
Business Personal Property/Equipment
Automobile
Excess Liability (Umbrella)
Business Income

Equipment Breakdown
Employment Practices Liability
Directors & Officers Liability
Cyber Liability
Errors & Omissions Liability
Miscellaneous Professional Liability

QUICK SERVICE

The Quick Service restaurant industry is a primary area of focus for CS&A. We work with many of the nationally recognized franchise brands and can offer uniquely tailored insurance programs for most any operation. Regardless of the cuisine being offered, CS&A can customize a solution for your business.

American
Asian (other than Chinese)
Chicken
Chinese
Hamburger/Hot Dog
Italian

Juice/Smoothie/Coffee
Mexican
Pizza
Seafood
Steak
Other

FULL SERVICE

The Full Service restaurant industry segment introduces exposures that are not as prominent in our Quick Service division. Having a full wait staff, facilitating alcohol sales, and storing increased amounts of food/product all present unique risks. CS&A has strategically aligned our insurance carriers to best meet the needs of any Full Service restaurant operation.

Extended Business Income/Interruption
Increased limits for Spoilage and Contamination
Employment Practices Liability for 3rd Party Violations
Liquor Liability
Off Site Catering

WHITE TABLE or FINE DINING

Similar to a Full Service Restaurant, a White Table or Fine Dining Establishments include several risk exposures that are unique to their operations. More employees, alcohol sales and off-site events all bring additional risks that require specific coverages to be in place.

Extended Business Income/Interruption
Increased limits for Spoilage and Contamination
Employment Practices Liability for 3rd Party Violations
Liquor Liability
Off Site Catering

BARS

Understanding what defines a bar versus a restaurant is very important. CS&A is well versed in bar operations and understands the moving pieces that accompany a bar operation. Live music, late hours, and multi-level establishments are just some of the exposures that can create challenges. CS&A has the underwriting relationships established to help navigate these risks and obtain the coverages needed.

Full Service Bars
Limited Service Bars
Sports Bars
Wine Bars
Brewpub’s
Mobile Bars