Mercer Agency builds restaurant and bar insurance coverage around what your business needs in southeast Michigan, because no two kitchens, dining rooms, or bar setups carry the same risk. It all starts with a conversation about how you operate so that we can put the right protection in place.
Key Policies:
- Business Owners Policy (BOP)
- Commercial Package Policy (CPP)
- Commercial Umbrella
- Workers’ Compensation
- Cyber Liability
Who Should Have Restaurant or Bar Insurance in Michigan?
- Restaurants and Bars
- Fast food establishments
- Sandwich shops
- Catering companies
- Resorts
- Convenience stores that serve food
- Delis and Cafe’s
- Mobile trucks and wagons
What Does a Typical Insurance Policy Cover?
Here are some essential business insurance options to consider:
- Building property insurance
- Contents of your business
- General Liability
- Liquor liability
- Assault & Battery
- Workman compensation for your employees
- Disability and Paid Family Leave
- Food spoilage
- Flood insurance
- Loss of income
- Equipment breakdown insurance
- Umbrella liability insurance
Why Is Restaurant and Bar Coverage in Michigan Critical?
Protect Your Restaurant or Bar from Costly Lawsuits
A single slip-and-fall claim can run a restaurant around $20,000. General liability insurance helps shield your business from lawsuits tied to customer injuries or accidents on your premises.
Stay Ahead of Michigan’s Coverage Requirements
- Workers’ compensation protects your team and keeps your business compliant
- Gaps in coverage can mean real financial exposure down the road
- We’ll walk you through exactly what your operation needs to stay protected
Protect Against Foodborne Illness Claims
Foodborne illness incidents cost businesses billions each year nationally. General liability and product liability coverage can help absorb the financial hit if a claim or outbreak impacts your establishment.
Be Ready to Recover from the Unexpected
- Fires, storms, and mandatory closures can shut a restaurant down overnight
- Roughly 40% of restaurants never reopen after a major disaster
- Business interruption coverage helps keep things moving while you get back on your feet
Safeguard Against Alcohol-Related Incidents
Michigan’s dram shop laws can hold businesses responsible for over-serving visibly intoxicated guests. Liquor liability coverage helps protect you from the legal fees, settlements, and judgments that can follow.
It All Starts with a Conversation
Every restaurant and bar runs differently, your coverage should reflect that. Let’s talk through how your business operates so we can build a protection plan that fits, keeps you compliant, and lets you focus on what you do best.
