Restaurant Insurance

Protect your passion and your livelihood.

Owning and running a restaurant has a lot of challenges. One day you might have supplier issues and the next is keeping your best servers and bartenders at your business. All while delivering a great experience and a delicious meal for your customers!

What you don’t need to worry about is how it’s all protected. That's what we do.

Need an insurance quote? Talk to Jac!

A Risk Management Program Designed Specifically for You – The Restaurant Owner

A Risk Management Program Designed Specifically for You – The Restaurant Owner

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?

 I’m ready to access my competitively priced Restaurant Insurance Program – please give me a call. 


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.

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

Protect Your Restaurant - Do You Have Key Restaurant Insurance Coverages?

Protect Your Restaurant - Do You Have the Right Insurance Coverages?

All insurance policies are not equal especially in the restaurant industry, where there is a broad range of risks.  Having the right insurance policy that probably covers your restaurant business is one of the critical keys to success. These insurance policies will keep your business afloat through a variety of unpredictable situations.

Specialty Insurance Coverages for Restaurants

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

Are you working with a Broker who understands the ins and outs of the Restaurant business?

To connect with Jac for an analysis of your current program, please schedule a meeting email him at

Jac Casale

Jac Casale is a Sales Consultant for Horton’s Select Business Division. In this role, Jac is responsible for maintaining and growing Horton’s customer base in the Risk Advisory Solutions Division.