Restaurant Insurance

Running a restaurant is challenging enough without having to worry about things like lawsuits, loss of income or property damage.

Speak with a Restaurant & Bar Insurance Expert

Exclusive Risk Management Program for Our Restaurant and Bar Businesses

A Risk Management Program Specifically for Restaurants

Imagine the worst-case scenarios you may face: a bad ingredient leaves a group of customers sick; a kitchen fire leaves operations at a stand-still and you want to pay your staff during the rebuild; or someone steals all of your customers’ credit card data and you’ve got to pay to rebuild their credit.

Managing a restaurant and bar can be complex. Not only do you need to focus on the issues of running today’s business, but what other things should you consider in the future that may impact you? Wage and hour claims, cyber crime and theft, and vendor/supplier consistency.

In a world of rapid change and emerging risks, it is critical to successfully identify, assess and implement a plan to mitigate or eliminate the insurable + uninsurable risks. This will maximize your profitability and allow you to focus on running the business.

Competitively Priced Restaurant Insurance

Don't Sacrifice Quality – Horton’s Restaurant, Bar & Tavern Insurance Program is ready when you are!

Insurance Coverages Designed for Restaurants

One solution for all insurance needs.

Our insurance professionals help businesses lower the 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.

Business Insurance

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


Commercial Insurance Coverages
  • Workers' Compensation
  • Business Auto
  • Business Insurance
  • Employee Dishonesty 50K
  • Liquor Liability


Insurance for Individuals
  • Home
  • Auto
  • Umbrella
  • Recreational Vehicles

Speciality Insurance Coverages for Restaurants & Bars

Purchase the insurance services that are tailored for your Restaurant and Bar needs.

  • Employee Practices Liability Insurance (EPLI)
  • Employee Theft
  • Equipment Breakdown
  • Franchise Endorsement
  • No Wait Business Interruption Coverage
  • Guests’ Personal Property
  • Liquor Liability
  • Pollution Cleanup
  • Spoilage, Contamination and Recall
  • Loss of Business Income