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Restaurant Insurance Solutions Tailored to Your Business

Protect your passion and your livelihood. 

Running a successful restaurant demands passion, dedication, and a robust safety net. At Horton Group, we understand the unique challenges the restaurant industry faces. Let us be your shield against the unforeseen, ensuring your focus remains on crafting delightful culinary experiences for your patrons.

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Restaurant Insurance

Why Choose Our Restaurant Insurance?

No one ever thinks it will happen to them. If you’re like many restaurant owners, your restaurant started with a dream. You wanted to provide great food and a great experience. It took a lot of hard work and elbow grease to build your restaurant. Once the operations were up and running, you may have realized there were a lot of unexpected risks that came with running your business.

Imagine the worst-case scenarios you may face:

  • A bad ingredient leaves a group of customers sick
  • A kitchen fire causes property damage – closing your restaurant for weeks and you wanting to pay your staff during the rebuild
  • A DUI claim comes back to your restaurant
  • Someone steals all of your customers’ credit card data and you have to pay to rebuild their credit
  • Mishandling of employee issues and compliance ends up with expensive fines
  • A slip and fall results in a pending lawsuit, if you’re serving alcohol – this makes this situation even more complex
  • Choosing the wrong health care plan that costs you thousands and leaves your employees less than happy


Managing a restaurant and bar can be complex. How do you protect your restaurant?

It’s about staying in your lane and doing what you love to do!

At the Horton Group, we become part of your team and take care of all those things that bog you down and put you at potential risk for financial disaster. Our insurance specialists are dedicated to the restaurant industry. We insure over 500 restaurants, whether they are small businesses or large chains. We want to protect your business.  When you are ready to minimize your risk and maximize your profitability – we are a phone call (or email) away. Let us do the dirty work so you and your team can create gastronomic and mixology masterpieces. All you have to do is focus on ensuring your clients have the best customer experience possible. Isn’t that what it’s all about?

Insurance Coverages Designed for Restaurants

One solution for all insurance needs.

Our insurance professionals help businesses lower their cost of their risk by focusing on risk management, supported by the best claims advocacy, loss control, and core insurance services available. Our capabilities range from securing basic insurance coverage to overseeing comprehensive risk management programs and providing advanced, specialized services.


  • Group Medical
  • Core & Voluntary Benefits
  • FSA / HSA
  • Wellness
  • ACA / DOL Compliance


  • Workers’ Compensation
  • Business Auto
  • Business Insurance
  • Employee Dishonesty 50K
  • Liquor Liability


  • Home
  • Auto
  • Umbrella
  • Recreational Vehicles

How We Can Help Safeguard Your Restaurant

Owning and operating a thriving restaurant involves more than just serving delicious cuisine; it requires meticulous planning and protection against unforeseen challenges. At Horton Group, we specialize in securing your restaurant’s future with tailored insurance solutions. Here’s how we can assist you:

Understanding Your Insurance Needs

Running a restaurant necessitates a unique set of insurance coverages. Before you open your doors, it’s crucial to have comprehensive restaurant insurance in place. We specialize in guiding you through the complexities of insurance, ensuring you have the right coverage for your investment, customers, and staff.

Choosing the Right Insurance

With our expertise, you can make informed decisions about essential insurance types, such as:

  • Business Owner’s Policy (BOP): A comprehensive package combining property and liability coverage tailored for restaurant owners. It shields your physical assets from perils like fire and theft while covering legal expenses in case of customer accidents.
  • Workers’ Compensation Insurance: Mandatory in most states, this coverage protects your employees in case of job-related injuries, covering medical expenses and lost wages.
  • Business Property Insurance: Safeguard your physical assets, including buildings, equipment, and inventory, against various risks like fire, theft, and natural disasters.
  • Business Interruption Coverage: This crucial insurance steps in to compensate for lost income and ongoing expenses if your restaurant operations are disrupted due to a covered event.

Specialized Coverages for Restaurants

We also provide specialized coverages tailored for restaurants, including:

  • Spoilage Insurance: Protects perishable goods in the event of power outages or mechanical failures.
  • Food Contamination Insurance: Manages the financial risks associated with product recalls, contamination, or foodborne illnesses, ensuring your reputation and finances remain intact.
  • Liquor Liability Insurance: Essential for establishments serving alcohol, this coverage shields your business from legal claims arising from alcohol-related incidents.
  • Employment Practices Liability Insurance: Safeguards against legal challenges arising from employer-employee relationships, ensuring you’re protected from claims of discrimination, harassment, or wrongful termination.
  • Employee Dishonesty Coverage: Protects your business from financial losses resulting from dishonest acts committed by employees, such as theft or forgery.
  • Hired and Non-Owned Auto Liability Insurance: Offers coverage if employees use rented or personal vehicles for business tasks, protecting you from potential liabilities in case of accidents.

Managing Costs and Reviewing Policies

We understand the importance of managing costs. Our experts can help you evaluate your restaurant’s insurance needs annually, exploring potential discounts and alternative policies that align with your budget. Rest assured, we’re committed to finding the most cost-effective solutions without compromising your coverage.

Ready to Insure Your Restaurant?

Don’t leave your restaurant’s future to chance. Contact us immediately to assess your unique needs and discover the tailored restaurant insurance plan your business deserves. We’re here to ensure your culinary venture thrives securely and successfully.

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People First Insurance Brokers

Find out how our services can assist you in becoming better prepared and protected for what comes next.

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Jac Casale