We Specialize In Dynamic Coverage For Restaurants

Restaurant insurance products are competitive. While pricing is a major factor in determining which carrier to choose, proper coverage and limits are just as important. Our restaurant enhancements offer a wide range of coverage and limits that protect your business if disaster strikes. We can offer workers’ compensation coverage through a wide range of carriers and include upfront discounts of up to 15% in addition to dividends.

Dadgar Insurance is the official insurance provider of Phantom Gourmet.

Get a Quote

Our Specialized Coverage

Our restaurant insurance is a specialized form of commercial insurance that’s designed for you. Most of our policies are written as package policies that combine several coverages together to give restaurants robust protection against multiple risks.

Dadgar insurance is a proud member of the Massachusetts Restaurant Association. Learn more about MRA!

Our Specialized Coverage

Our restaurant insurance is a specialized form of commercial insurance that’s designed for you. Most of our policies are written as package policies that combine several coverages together to give restaurants robust protection against multiple risks.

Dadgar insurance is a proud member of the Massachusetts Restaurant Association. Learn more about MRA!

What Are Restaurant Insurance Enhancements?

Enhancements are policy endorsements that provide additional coverage to the insured. They might protect more adequately, expand coverage, or increase limits. Enhancements allow for customization and provide better protection for your type of business.

See Our Enhancements Offered Through the Following Carriers

What Are Restaurant Insurance Enhancements?

Enhancements are policy endorsements that provide additional coverage to the insured. They might protect more adequately, expand coverage, or increase limits. Enhancements allow for customization and provide better protection for your type of business.

See Our Enhancements Offered Through the Following Carriers

Restaurant Insurance Coverage You Should Consider

Dadgar insures more than 700 restaurants and has more than 30 years experience.

Insuring to Value
Your contents insurance limits are often much lower than your true replacement cost, and in case of a large claim, you will suffer the co-insurance penalties.
Business Income
Can be obtained for any duration up to actual loss sustained for 12 months. We recommend the 12 months.
Boiler/Machinery Coverage
Often is not part of the package policy. We highly recommend it.
Umbrella Coverage
Excess Liability — additional liability limits can be purchased in the form of an umbrella.

Hired Non-owned Auto Liability
Coverage for this exposure is recommended, especially if your business offers delivery.
Employee Dishonesty
Backup of Sewer & Drains
Damage caused to your property due to backup. Often, this coverage is left out.
Ordinance or Law
Flood & Earthquake

Restaurant Insurance Coverage You Should Consider

Dadgar insures more than 700 restaurants and has more than 30 years experience.

Insuring to Value
Your contents insurance limits are often much lower than your true replacement cost, and in case of a large claim, you will suffer the co-insurance penalties.
Business Income
Can be obtained for any duration up to actual loss sustained for 12 months. We recommend the 12 months.
Boiler/Machinery Coverage
Often is not part of the package policy. We highly recommend it.
Umbrella Coverage
Excess Liability — additional liability limits can be purchased in the form of an umbrella.
Hired Non-owned Auto Liability
Coverage for this exposure is recommended, especially if your business offers delivery.
Employee Dishonesty
Backup of Sewer & Drains
Damage caused to your property due to backup. Often, this coverage is left out.
Ordinance or Law
Flood & Earthquake

Restaurant Insurance Coverage: Suggestions & Recommendations

1. Check Your Lease

Be sure who is responsible for cost of improvements and betterments — you or your landlord. Most restaurant leases are very clear that the cost of improvements and betterments in case of a claim is recovered by the tenant’s insurance policy. If this is the case, include this cost in your contents coverage.

2. Obtain Certificates of Insurance

Obtain certificates (GL & Workers’ Comp) from all vendors and contractors with whom you do business.

3. Train Manager and Staff

Train restaurant employees to document any incidents by time, date, description, and witnesses’ names and addresses. A liability suit can be brought against your business for an incident that occurred up to three years ago. Having good records of the incident will certainly be helpful to your insurance carrier in defending you.

Restaurant Insurance Coverage: Suggestions & Recommendations

1. Check Your Lease
Be sure who is responsible for cost of improvements and betterments — you or your landlord. Most restaurant leases are very clear that the cost of improvements and betterments in case of a claim is recovered by the tenant’s insurance policy. If this is the case, include this cost in your contents coverage.
2. Obtain Certificates of Insurance
Obtain certificates (GL & Workers’ Comp) from all vendors and contractors with whom you do business.
3. Train Manager and Staff
Train restaurant employees to document any incidents by time, date, description, and witnesses’ names and addresses. A liability suit can be brought against your business for an incident that occurred up to three years ago. Having good records of the incident will certainly be helpful to your insurance carrier in defending you.

How To Get Insurance Through Dadgar

For help finding a good restaurant insurance policy, restaurant owners should reach out to us directly. Our agents can help determine what coverages your restaurant should have in its policy, and then the agent can obtain quotes for policies that offer those coverages.

Fill out my online form.

<a href="https://coldspringdesign.wufoo.com/forms/rr2rhx31e3rnc7/def/entsource=wordpress" rel="nofollow">Fill out my Wufoo form!</a>

We Specialize In Dynamic Coverage For Restaurants

We Specialize In Dynamic Coverage For Restaurants

Our Specialized Coverage

Our Specialized Coverage

What Are Restaurant Insurance Enhancements?

See Our Enhancements Offered Through the Following Carriers

What Are Restaurant Insurance Enhancements?

See Our Enhancements Offered Through the Following Carriers

Restaurant Insurance Coverage You Should Consider

Restaurant Insurance Coverage You Should Consider

Restaurant Insurance Coverage: Suggestions & Recommendations

1. Check Your Lease

2. Obtain Certificates of Insurance

3. Train Manager and Staff

Restaurant Insurance Coverage: Suggestions & Recommendations

How To Get Insurance Through Dadgar

Dadgar Insurance Agency, Inc.