Common questions about Restaurants
Answering the most frequently asked questions about Restaurants.
Do delivery apps create exposure?Gravity Certs2026-08-17T23:05:30-04:00
Yes, if your own staff deliver. Hired and non-owned auto covers personal vehicles used for the business.
What if my walk-in fails?Gravity Certs2026-08-17T23:05:29-04:00
Equipment breakdown covers the repair and the spoiled stock, neither of which property alone covers.
Will insurance pay rent while I’m closed?Gravity Certs2026-08-17T23:05:29-04:00
Business interruption covers continuing expenses and lost income during restoration.
What’s the most common restaurant claim?Gravity Certs2026-08-17T23:05:28-04:00
Customer slip-and-fall, followed by kitchen fire and employee injury. Slips are the most frequent by some distance.
Is a business owners policy enough?Gravity Certs2026-08-17T23:05:27-04:00
It’s the foundation. Most restaurants also need liquor liability, equipment breakdown and often cyber, which a BOP doesn’t include.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
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.
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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
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