Food and Beverage

Food and Beverage2025-10-17T10:22:35-04:00
Food and Beverage

Keep Your Food and Beverage Running at a High Level

Semper Insurance provides Food and Beverage insurance, and surrounding areas.

Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft, to competition within the industry. When it comes to managing the risks of running your own Food and Beverage, you want the best protection possible. Semper Insurance will work with you to formulate an insurance package fit for your business.

Here are some of our insurance options for retailers:

  • General liability
  • Property coverage
  • Crime insurance
  • Umbrella coverage
  • Business interruption insurance

Contact a representative at Semper Insurance to go over these and many other insurance options for Food and Beverage.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Worker’s Compensations

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Business Owner’s Policy

Combines general liability and property insurance into one package tailored for small to medium-sized businesses. It covers property damage, bodily injury, and business interruption, offering protection against claims arising from accidents on your premises and damage to your business property.

Commercial Auto

Provides coverage for vehicles used in the course of business. It includes liability for bodily injury and property damage caused by business vehicles, as well as physical damage, theft, vandalism, and accidents. It ensures protection for company-owned or leased vehicles and employees driving them.

Garage Keepers

Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

Commercial Umbrella

Provides additional liability coverage beyond the limits of your existing general liability, commercial auto, and other liability policies. It offers extra protection against large claims or lawsuits, covering costs that exceed the underlying policy limits, ensuring broader financial security for your business.

Common questions about Food and Beverage

Answering the most frequently asked questions about Food and Beverage.

Is cyber insurance necessary for my restaurant?2024-07-09T22:12:35-04:00

If you handle customer data, such as credit card information, cyber insurance is highly recommended to protect against data breaches and cyberattacks.

Do I need liquor liability insurance if I serve alcohol?2024-07-09T22:10:58-04:00

Yes, liquor liability insurance is crucial for businesses that serve alcohol to cover potential legal costs and damages caused by intoxicated patrons.

What happens if my business is forced to close temporarily due to a fire?2024-07-09T22:10:03-04:00

Business interruption insurance can cover lost income and operating expenses while your business recovers from a catastrophic event like a fire.

Does general liability insurance cover food poisoning claims?2024-07-09T22:09:14-04:00

Yes, general liability insurance can protect against claims related to food poisoning, covering legal fees and settlements.

What insurance do I need if I have a food truck?2024-07-09T22:07:58-04:00

A food truck business typically requires a Business Owner’s Policy, commercial auto insurance, general liability insurance, and workers’ compensation if you have employees.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 22 reviews

  • Avatar Justin Wheeler ★★★★★ in the last week
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Avatar Grigoriy Priev ★★★★★ a month ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
  • Avatar lina torres ★★★★★ a month ago
    Adam is an excellent insurance broker. I called him frantic looking for a last minute commercial insurance. I gave him the details of the specific coverage I needed. He was able to communicate with me throughout the day just giving me updates … More with different insurance options and when I told him I found an option he even went the extra mile to price match the other company without compromising the coverage. I had the true experience of professional genuine custom care and would highly recommend to anyone.

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