Restaurant Insurance in Du Quoin and Carbondale, IL
Keeping Restaurants in Du Quoin and throughout Southern Illinois protected against Risk
Employee injuries, spoilage, theft, and fires are all risks that you face as a restaurant owner. These and other risks can be costly if you’re unprotected, and this is one reason why being protected is very important. Insurance provides necessary protection, and at Easterly Insurance Agency we have a complete restaurant insurance program, which we customize for individual clients.
We’ve insured restaurants in Du Quoin and in communities throughout Southern Illinois for more than three decades, and also one of our agent owners used to own a restaurant. We represent the best carriers in the business, and we pay close attention to detail. For these reasons, we’ll provide to you the best possible restaurant insurance. Whether you own and operate a franchised restaurant or a restaurant that you started on your own, we’ll help you.
Restaurant Insurance Coverage Details for Restaurateurs in Illinois
Most restaurants that are insured are insured with business owners policies (BOPs), which provide great amounts of protection and contain wide varieties of coverages. BOPs consolidate all necessary coverages into singe solutions, and this makes keeping restaurants secure easy. There are three basic types of insurance that are parts of business owners policies, and these basic types of insurance are business liability, business property, and business income. Together, these types of insurance protect against most risks that restaurants face.
If you own a restaurant, you do not have to purchase a BOP; you can purchase standalone policies, and also you can choose any coverages that you need. Data breach, food contamination, and liquor liability are among the coverages from which you can choose, and we’ll provide these and/or other coverages to you if you need the coverages.
We’ll help you select the right coverages, and also we’ll ensure that any policy or plan that you purchase is fitting.
The coverages from which you can choose include but are not limited to:
- Business liability
- Business property
- Business income
- Business income for off-premises utility services coverage (OPUS)
- Computers and media coverage
- Data breach
- Food contamination
- Liquor liability
- Workers compensation
- Commercial auto
- Business owners policy (BOP)
You may be able to save time and money as a client of ours if you take advantage of benefits and discounts for which you may be eligible. Talk to an agent to learn about these benefits and discounts.
Thorough, knowledgeable Agents keeping you and your Restaurant secure
We know that restaurants can be complex operations, and also we know that the complexities of restaurants demand complete protection against risk. In honor of the importance of complete protection, we thoroughly assess our clients' needs through in-depth consultations, risk analyses, and on-site inspections. Once we know and understand clients’ needs, we identify the right coverages. At the points that the right coverages have been identified, we create the best possible solutions.
In order to ensure that there are never gaps in coverage and that clients’ rates are always competitive, we regularly review policies and plans that we write. If and when possible, we include clients in review processes, and as a result, the clients fully understand their purchases and are aware of needs for changes to coverages.
Additional Restaurant Insurance and Business Insurance Information:
- Restaurant Insurance Information and Resources (The Insurance Information Institute (III))
- Small Business Insurance Details and Resources (The National Association of Insurance Commissioners (NAIC))
- Small Business Insurance Facts and Resources (The U.S. Small Business Administration (SBA))
At Easterly Insurance Agency we’re proud to provide restaurant insurance in Du Quoin, Carbondale, Christopher, Marion, Herrin, and Benton, IL. We also serve other areas in the state.