Insurance for Restaurants

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

restaurants trust us
We would be proud to insure your business, so you can focus on what matters most to you. We have specialists who know your business because we put our heart into protecting it. ******
positive claims experience
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

What's covered in a restaurant insurance policy?

Our Bis-Pak® restaurant insurance policy combines property and liability coverages into one convenient insurance form. Additional coverage options give you the flexibility and power to tailor the program to meet your needs and protect your business against loss.

Equipment breakdown

Restaurants depend on refrigeration systems, air conditioning, hot water heaters, boilers, cooking equipment, electrical systems, and computer-based cash registers. Equipment breakdown insurance pays for physical damage to equipment, business income, spoilage, and extra expenses 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 or 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 that 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.

Types of Restaurants We Insure


Fine Dining

Family Restaurants

Fast Food



Ice Cream Shops


Bars & Taverns


Food Service Contractors

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



Acuity is active in several leading national and regional retail associations. We provide industry-specific training to all our underwriters, loss control representatives, and claims adjusters, so they can give you the support you need and deserve.

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.

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.

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.

JJ Keller resources

Acuity is committed to providing our customers with valuable safety resources in multiple ways. To broaden that commitment, we are pleased to partner with J. J. Keller & Associates, Inc. to offer streaming safety videos to our customers at no cost (limit three per month).


Get answers from our insurance experts.
4 Ways Technology May Increase Retail Theft
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 w...
5 Ways to Make the Most of Small Business Saturday
Small Business Saturday is your time to shine and show everyone why your business deserves their time and money.
6 Tips to Recruit and Retain Retail Employees
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...


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.