Restaurants

Hot flames, employees rushing around, the threat of food contamination—you face some pretty unique risks as a restaurant owner. If you aren’t properly protected, something like a major fire or lawsuit could pose a serious threat to your restaurant. We at ERIE understand this, which is why we created a special mix of policies, endorsements and services your business really needs.

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Your Building & Your Income

Your Risks, Our Solutions

Coverage for property losses

For fires, natural disasters like hurricanes or tornados and more.

Income protection coverage

Provides income when your restaurant is shut down from an event like a fire.

Coverage to rent an alternate space

Provides relocation expenses for temporary locations in the event your restaurant is shut down from an event like a fire.

Your Equipment & Inventory

Your Risks, Our Solutions

Peak season coverage

To replace your food and other inventory during peak seasons when there’s more of it in stock. (Available for purchase as an additional coverage on select policies.)

Equipment breakdown coverage

To repair or replace equipment such as machinery, conveyors, telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss ERIE covers.

Dish and glass breakage

For one of the most common accidents in your line of business.

Your Customers & Employees

Your Risks, Our Solutions

Food contamination coverage

For customers’ medical expenses, lost business income, replacement of contaminated food and more.

Liquor liability coverage

For legal costs and payments if your restaurant is ever named in a lawsuit. (Available for purchase as a separate endorsement.)

Employment practices liability coverage

In the event an employee claims they’ve experienced employment discrimination, wrongful termination and sexual harassment. (Available for purchase as a separate policy.)

Even More Coverage

Here are some of the extra ways that coverage from ERIE goes above and beyond.

Accounts receivable

To reproduce or replace accounts receivable records after a loss.

Data breaches

To notify and assist your affected customers and to provide your business with crisis resolution services. (Available for purchase as an additional coverage on select policies.)

Electronic data coverage

To help you recover from a loss due to a computer virus that corrupts your computer system.

Employee dishonesty

To protect you against employee theft, which is a situation that can be hard to detect and often goes on for an extended time.

Forgery and alteration

In case someone forges your business checks or fraudulently uses your business's credit or debit card.

Sewer and drain backup

For water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase as an additional coverage.)

Valuable papers

To restore or replace important financial documents, deeds and more.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.

CLAIMS SERVICE YOU CAN COUNT ON

If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. With ERIE, you have claims service that’s:

Quick to respond

Reimbursement for smaller claims can happen in as little as 48 hours.

Local

ERIE has claims offices throughout its territory, so help is always close by.

What ERIE Customers Have to Say

The best recommendation is a satisfied customer.

Here’s what a restaurant owner had to say about his experience with ERIE.

A Perfect Pairing: Pittsburgh Hot Spot and Erie Insurance

Savoy Pittsburgh , PA 25-60 Employees (varies by season)

Savory Restaurant

There’s a lot to consider when you’re operating a restaurant. And that’s especially true when you don’t have extensive experience in the industry.

That was the situation that John Bettis faced in 2010. The executive manager of Savoy, located in Pittsburgh’s popular Strip District area, was a first-time restaurateur who was looking for trusted advice when it came to protecting his award-winning restaurant. Savoy is known for putting an inventive spin on contemporary American fare.

Fortunately, he was introduced to a local ERIE agent who explained both common and more complex coverages and made sure John got a great value.

“He really held my hand and took a vested interest in my business,” recalled John.

Since that initial meeting, John and his agent meet up twice a year over breakfast to review Savoy’s coverage. John appreciates that he has someone in his corner who cares about protecting the restaurant he worked hard to establish.

“My agent really helps me understand what I need and is always available and willing to help,” said John. And that’s a good thing when you’re running a restaurant one reviewer called “a new genre of fine dining.”

Interested in working with an agent who understands your business? Then contact a local ERIE agent in your community today.

Restaurant Insurance Quote

Does your restaurant have the right level of protection? If not, let’s talk.

Ready to get started?

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