Restaurant Insurance

Looking for Restaurant Insurance in the Concord, China Grove area?

We’ve got you covered!

Owning your own business is hard enough as it is right? Between the schedule managing, staff coming down with the mysterious sickness of the quarter, and especially unhappy customers.

We sadly can’t resolve the issues listed above but we can resolve an issue you might not even have thought of yet.

Liability Coverage for your Restaurant

Picture this, you have a customer who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy.

Not only does your customer suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit.

See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected for the “what if”

Restaurant Liability Policy Components

There are multiple “components” that make up a solid Restaurant Insurance policy. Different companies may offer these as a “bundle” while with others they are a’ la carte.

General Liability Insurance

This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.

Workers Compensation Coverage

In most states if you have employees then this isn’t even a question of do I want this? This is a must to be able to employee staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of cost of injuries to an employee. Some examples of this can be things like:

  • Injury at Work
  • Disease caused by work environment

In most cases an incident would need to take place while the employee is at the place of employment, however it would be best to discuss with your local insurance agent for more of a case by case basis.

Loss of Income Insurance

What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.

This is where Loss of Income Insurance is imperative. This coverage would allow you to have a “back up” plan in the event you were unable to generate an income due to a covered loss.

Property Damage

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on property it is important to check with your insurance agent.

Crime and Vandalism Coverage

This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

Here are a few examples of clients we work with and make sure their business are protected:

  • Local Restaurants
  • Food Trucks
  • Catering Companies
  • Food Delivery Restaurants
  • Ice Cream Trucks
  • Bars
  • Cafeterias
  • Local Diners

The list can go on and on.

So how do you know if a restaurant liability policy is a good fit for your business?

We always would recommend you calling a local insurance agent like us, and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.

restaurant insurance China Grove NC

Robyn is so helpful and is always quick to respond. Making changes is always a smooth and easy process!!
Andrea Davenport
Andrea Davenport
Robyn does such an incredible job! She puts such a huge amount of time into helping me. I have always been able to send her an email or call her and she is so quick to respond. She gets the job done and done well! I always tell her she’s a life saver! Overall, I would recommend this agency! Everyone does a great job!
Elahna Hudson
Elahna Hudson
We have really enjoyed working with Jay , he is really on top of things and easy to work with !
Eastern Tree Service
Eastern Tree Service
Highly recommend the Grogan agency for all your insurance needs.
Andrew Lange
Andrew Lange
Quick and responsive to questions and best rates I found.
Kelby Loden
Kelby Loden
We have been very blessed to have the The Grogan Agency cover so many aspects of our lives over the last 20 years! Great group of folks - they are like family. Only a phone call or email away no matter what our question or need. Would HIGHLY recommend!
Susan Hill
Susan Hill
Robyn is the best! Anytime I have questions she always takes time out of her day to answer them. 10/10
Stephen Mauck
Stephen Mauck
Sweet, professional, and high quality. The agents of the Grogan agency are a pleasure to talk to and make a frustrating part of life easier.
Brian Panos
Brian Panos
We use Jarrod Jackson and will not use another company. The whole staff is very helpful and everyone is quick to call back and resolve any issues.Definitely recommend them
ashley towery
ashley towery
Jay does a great job advising his clients. He takes the time to understand your goals and give you the best advise (even if it isn’t a product he can provide). Thanks Jay!
Will Slappey
Will Slappey
We moved here a year ago and go the cheapest insurance we could find. When things came up for renewal I came to Jay Grogan's office to reevaluate where I was at. They pointed out several holes in my former policies and catered the new coverage to what fits my current needs. When I left, I felt 100% informed and much more confident in my new policy.
Suzie Wiggins
Suzie Wiggins
I'm a financial adviser and refer many of my clients to Jay as most people don't think to shop their home & auto too often. Nationwide is good insurance but Jay also has a number of other options as well to fit the needs of each client and has done a great job saving my clientele money. There have been a few instances where it didn't make sense for a client to switch and Jay had enough integrity and professionalism to tell the client "good job" rather than attempting to just sell a policy. I've worked with both Jay and Robyn Davis in his office and both are excellent. I wouldn't hesitate to refer either of them.
Sam Price
Sam Price
We have been with the Grogan Agency since he began which is over 25 years so that should tell you how pleased we have been I have known Jay and his family as neighbors when their kids were born. Robyn and jarrod are excellent to work with. The claims we have had to make were paid in a very timely manner. I can truly recommend this agency for all your insurance needs.
Bobbie Andrews
Bobbie Andrews
Always go above and beyond to make sure we have the best coverage. Extremely personable and helpful. This office pours into the community as well. Thank you Grogan Agency!!
Misti Patterson
Misti Patterson
I operate a small non-profit program and was not well versed in insurance converge prior to beginning my journey. The team at the Grogan agency has been extremely helpful over the years in answering my questions, assisting me with deadlines, and anything else I have asked. Their professionalism and genuine kindness are greatly appreciated.
carrie jones
carrie jones
Pleasant to deal with, prompt service, reasonable competitive pricing
Kevin Hermecz
Kevin Hermecz
Jay and his team are great to do business with. They make the process very easy in helping my family be secure in our most valuable assets. You won’t go wrong with their team in helping you with your insurance needs!
Benji Wilson
Benji Wilson
The folks at the Grogan Agency provide professional and personalized service. I highly recommend them!
bill reid
bill reid
Trust is key. Like most people, I have plenty to do and don't care to be an expert in all thing insurance. I trust the Grogan agency and I know that I have the right coverage for my current needs at a good rate.
Craig Byram
Craig Byram
Customer service and promtp handling of claims.
mark nix
mark nix
Great agency with incredible service, they have always taken care of me whenever I have needed them.
Anthony Riley
Anthony Riley
I review my coverage every year with Jay Grogan. Excellent advice about how to save on the coverage for my personal and business insurance. Insurance coverage exceeds my expectations.
George Barnett
George Barnett
I've been with The Grogan Agency for years. My claims process was super smooth and they handled everything. Great team to work with. Highly recommend!!
Russell Renfroe
Russell Renfroe
Amazing customer service! My wife and I have been a individual customers for several years and have been nothing but pleased! They have always been happy to help me tweak things to save a little here and there! Roadside assistance is great! Now they are helping me with my business acct. Love it!
Samuel White
Samuel White
The Grogan Agency has been incredibly easy to work with. They respond immediately to any issues and make sure they get you the best rate available. I know I'm taken care of when I can talk to my agent instead of just dealing with an 800 number.
Mark McCollister
Mark McCollister