Food and Beverage

Food and Beverage2025-11-19T17:16:21-05:00
Food and Beverage

Serving Up Coverage You Can Count On

Semper Insurance supports several businesses in the Food & Beverage industry.

From restaurants and cafes to breweries and caterers, food and beverage businesses face a menu of challenges — health regulations, equipment failures, and spoilage, to name a few. At Semper Insurance, we understand what it takes to keep your kitchen, staff, and customers safe. We’ll help you create a policy that protects your passion and your profit.

Contact a representative at Semper Insurance to discuss the best insurance options for your Food & Beverage business.

Recommended Insurance For Food & Beverage Businesses

Employment Practices Liability

Provides coverage for claims arising from employment-related issues such as wrongful termination, discrimination, harassment, and retaliation. It protects your business against legal costs and settlements, ensuring financial security in the face of allegations made by employees regarding their rights and treatment in the workplace.

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 Owners 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.

Liquor Liability

Offers protection for businesses that manufacture, sell, or serve alcohol. It covers claims related to damages or injuries caused by an intoxicated person who was served by the business, including legal fees, medical costs, and settlements, ensuring financial protection against alcohol-related incidents.

Hired & Non-Owned Auto

Protects businesses against liability for accidents involving vehicles they rent (hired) or do not own (non-owned) but use for business purposes. This coverage extends to vehicles used by employees for company business, providing financial protection against claims for bodily injury and property damage.

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.

We Are Semper Insurance

Semper Insurance is more than an agency — we’re a dedicated partner in your success. With integrity, expertise, and a genuine commitment to service, we deliver tailored coverage that supports families, businesses, and communities for the long term.

Our trusted partners

We work with the nation’s largest, most reputable insurance companies.