Restaurant Insurance


From food contamination to credit card information breaches, you’ll be covered with our robust restaurant insurance

With Allianz Global Corporate & Specialty (AGCS) restaurant insurance, you will work with hospitality professionals who know the ins and outs of the restaurant business. We take pride in offering the kind of specialized attention every restaurant owner deserves. And if you ever need to make a claim we’ll work quickly to resolve the issue so your business can continue uninterrupted.

Protection Against Stolen Credit Card Information

You trust your servers and managers to handle sensitive credit card information, but what happens if that trust is broken? AGCS offers Data Compromise and Payment Card Security Expense coverages, which address certain expenses related to identity and credit card theft.

If you choose to add these coverages to your policy, a number of costs will be covered including:

  • Credit card penalties for non-compliance of the Payment Card Industry Data Security Standards
  • Fraudulent charges
  • Reissuing cards
  • Notifying guests about the security breach
  • Hiring an investigator to determine how the data leak occurred
  • Computer upgrades to secure payment systems

Coverage Against Food Contamination

We know you aim to have the cleanest kitchen possible, but what happens when something goes wrong? We can cover you if diners become ill because of an E. coli outbreak and your restaurant is forced to close and food must be thrown away.

Consultation When Reputations are Damaged

If an E. coli outbreak in your restaurant makes the news, would you know how to handle the PR circus? AGCS offers coverage that supplies PR specialists and emergency situation experts for up to 60 days after a covered event to help you retain your stellar reputation. We want to make sure one incident doesn’t ruin what you worked so hard to build.

Insuring Valuable Wines

Under standard restaurant policies, lost wines are valued at their original price. With AGCS Wine Collection Valuation coverage, if your wine cellar is destroyed, your hard-to-replace bottles are valued at menu price.

Protecting Your Wait Staff

Because of damage or necessary repairs, you may have to make the tough decision to close your establishment for a few days or even weeks. If your restaurant has to shut, you can add coverage to help retain staff. This add-on allows you to count tips as part of payroll so you can offer employees competitive compensation while on temporary leave, giving wait staff incentive to stay at your restaurant.