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          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 Risks, Our Solutions

          Business Insurance from ERIE Has You Covered

          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.

          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.

          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.


          ?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.


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


          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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