Insurance for restaurants

Acuity’s businessowners policy is designed with restaurant owners like you in mind.

Restaurant insurance

Coverages built with restaurants in mind

Acuity’s Businessowners Policy – Bis-Pak®

Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.

Commercial auto insurance

Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.

Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.

Property Coverage Details

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.

Meet the guru

Aaron S. joined Acuity in 2017 as our Retail Specialist – bringing with him almost 30 years of experience in a broad range of retail industries.

Do I need restaurant insurance? 

Being properly insured can help ensure that your business is protected if things don’t go as planned. We insure all kinds of restaurants, including everything from fine dining to caterers.


Here are some business that can benefit from construction insurance: 

  • Fine dining

  • Family restaurants

  • Fast food

  • Bakeries

  • Cafes

  • Ice cream shops

  • Delicatessens

  • Bars & taverns

  • Caterers

  • Food service contractors

Specialized coverages 

Equipment breakdown 

Restaurants depend on refrigeration systems, air conditioning, hot water heaters, boiling, cooking equipment, electrical systems, and computer-based cash registers. Equipment breakdown insurance pays for physical damage to equipment, business income, spoilage, and extra responses to limit equipment loss or speed repairs.  


Liquor liability 

Acuity’s liquor liability insurance is designed to fill the coverage gap from general liability policies for businesses who generate a profit from alcohol. Liquor liability insurance offers protection from liability associated with making, selling, and serving alcohol.  


Employment-related practices liability insurance (ERPL) 

Our employment-related practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as an employer, backed by the strength, stability, and expertise of Acuity.  

Food contamination 

Food contamination coverage protects the business if it is closed by the Board of Health, or any other governmental authority, as a result of the discovery or suspicion of a food-related illness.  


Cyber liability and data breach coverages 

You need cyber liability coverage if you could be responsible for or sustain a business loss due to, unintended spreading of malware of a deliberate act that prevents others from gaining access to your computer system through the Internet. If you accidentally lose or release your customers’ personal information, we will pay for data breach response expenses.  



You expect your business insurance to protect your building and contents in the event of a fire, windstorm, or theft. But did you know what with Bis-Pak coverage, Acuity automatically provides business income coverage for a covered loss? This means that we will pay some of your continuing expenses and income while your business is being repaired.  

Looking to work with a local agent?

The Acuity difference

Why thousands of restaurants choose Acuity

Loss Control Professionals

We care deeply about our insureds, their businesses, and their customers. We staff highly trained loss control professionals who work directly with you to help improve safety, prevent accidents, and protect your most valuable assets.

Acuity Nurse Helpline

The Acuity Nurse Helpline is a 24/7 service for workers with non-emergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.

Video Resources

Our YouTube channel has up-to-date and interesting information to keep you informed. Get access to helpful videos regarding basic insurance knowledge, trends in the retail industry, and more.

Safety materials

Our online educational materials, including videos, loss prevention articles, toolbox talks, and much more, are available anytime, anywhere, and will help your business with sustainable growth.


Get answers from our insurance experts.
Self-checkout, online shopping, curbside-pickup, same-day delivery—consumer shopping has evolved over the last 20 years thanks to innovations in omni-channel technology. But with innovation comes more opportunities for exploitation. As the technology consumers use to shop becomes more sophisticated, so do the tactics, techniques, and procedures used in retail theft.
Small Business Saturday is your time to shine and show everyone why your business deserves their time and money.
Many retailers are struggling to recruit and retain employees. In the webinar “How to Find, Keep, and Motivate Employees Today” from the Food Marketing Institute, Harold Lloyd, president of H. Lloyds and Associates, Inc., shared tips to make your store appealing to potential and current employees.


Have questions? We have answers.

We started out as Mutual Auto Insurance Company of the Town of Herman in 1925 and have been insuring mercantile risks for over 40 years!

We insure a wide variety of retail risks, from restaurants and grocery stores to sporting goods and hardware stores. 

We are one of the rare companies that maintain A+ financial ratings from A.M. Best and Standard and Poor’s.  Of the 3,000 property-casualty carriers in the nation, we’ve consistently been ranked as one of the best-run companies by Ward Financial Group.

Where to next?

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