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(636) 978-1595 O'Fallon, MO

Comprehensive Restaurant and Liquor Liability Insurance

Restaurant Insurance in O'Fallon, MO – Comprehensive Protection for Your Business

Get Your Free Restaurant Insurance Quote

Owning a restaurant comes with unique challenges—from kitchen fires to liability risks. At Jeff Hug - Insurance Broker, we specialize in providing restaurant insurance tailored to the specific needs of foodservice businesses in O'Fallon, MO. With the restaurant industry seeing a **15% rise in property claims** and increasing food safety regulations in 2023, reliable coverage is essential for your success.

What Does Restaurant Insurance Cover?

Our restaurant insurance policies are designed to protect every aspect of your business, including property, employees, and customers:

Property Insurance

Protects your building, equipment, and inventory against fires, theft, and natural disasters.

General Liability

Covers customer injuries, food-related illnesses, and property damage claims.

Liquor Liability

Essential for restaurants and bars serving alcohol, covering damages related to alcohol-related incidents.

Additional Coverage Options

  • Workers’ Compensation Insurance: Protects employees injured on the job and covers medical expenses.
  • Business Interruption Insurance: Compensates for lost income if your restaurant must temporarily close due to a covered event.
  • Food Spoilage Coverage: Covers losses due to equipment breakdown, power outages, or spoilage of perishable goods.
  • Cyber Liability Insurance: Protects against data breaches, particularly if you handle online orders or credit card data.

Why Choose Jeff Hug - Insurance Broker?

  • Industry Expertise: We understand the unique risks faced by restaurants, cafés, and bars in O'Fallon, MO.
  • Custom Policies: Tailored coverage options to match your restaurant’s size and operations.
  • Affordable Premiums: Competitive pricing with options for multi-policy discounts.
  • Fast Claims Support: Minimize downtime with our responsive claims team.

Who Needs Restaurant Insurance?

Any food service business can benefit from a comprehensive insurance policy. This includes:

  • Full-Service Restaurants
  • Cafés and Coffee Shops
  • Bars and Taverns
  • Food Trucks and Catering Services
  • Fast Food and Takeout Establishments

Frequently Asked Questions

Q: Is liquor liability insurance required?

A: Yes, in most states, including Oregon, liquor liability insurance is mandatory for businesses serving alcohol.

Q: What happens if a customer gets food poisoning?

A: General liability coverage helps pay for medical expenses and legal claims if food-related illnesses occur.

Q: Can I bundle my restaurant insurance with other policies?

A: Yes! Bundling workers’ compensation, commercial property, and general liability can save you money.

Protect Your Restaurant with Jeff Hug - Insurance Broker

Running a successful restaurant takes hard work, but the right insurance makes all the difference. At Jeff Hug - Insurance Broker, we offer reliable, affordable, and tailored policies to keep your business protected. Call us at 636-978-1595 or request a free quote online today!

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