Goodrich & Watson:

Best-in-Class Insurance Solutions for Your Restaurants

Restaurants throughout Virginia, including in Richmond, Hampton, Newport News, Poquoson, York County, Williamsburg, James City County, Smithfield, Norfolk, Virginia Beach, Portsmouth, Chesapeake, Suffolk and Gloucester, rely on our experience to insure their operations. This includes fine dining establishments, family-style eateries, local diners, ethnic cuisine or those offering catering.

Goodrich & Watson offers personalized insurance programs that truly represent the individual operations of our clients.

Common Restaurant Exposures

  • Kitchen fires resulting in property damage
  • Theft including cash and valuable items
  • Slips, trips and falls resulting in liability claims
  • Food poisoning and allergies
  • Liquor Liability – depends on the amount and type of alcohol served and state policies
  • Employee Injuries – most injuries are the result of slips, falls, cuts, burns and heavy or awkward lifting, along with interactions with customers

Our Key Coverages for Restaurants Include:

  • General Liability
  • Property Insurance
  • Business Interruption due to Food Contamination
  • Business Income/Loss of Utilities
  • Food Spoilage of Refrigerated Property
  • Product Liability
  • Cyber Liability
  • Accidental Discharge of Automatic Cooking Protection
  • Equipment Breakdown
  • Employee Dishonesty
  • Damages to Premises Rented to You
  • Liquor Liability
  • Hired & Non-Owned Auto
  • Personal Effects & Property of Customers
  • Employment Practices Liability
  • Workers Compensation

As your trusted insurance agency, we will take a look at your operation and develop a program that provides the best protection at affordable premiums year after year from top-rated insurance companies. We’ll evaluate all your exposures, including a disruption in business from losses due to failed suppliers, downed utilities, food contamination, and traffic disruption; equipment breakdown that causes food spoilage; and much more. Then we’ll design a program that serves your needs. Your Restaurant Insurance program can be customized to cover your buildings, damages to premises rented to you, business personal property, equipment, loss of income, and much more.

Our staff will also review emerging trends that affect the restaurant industry, such as increased employee-related lawsuits as a result of wage-and-hour and wrongful termination disputes, to determine how to best safeguard your business.

Talk to Goodrich & Watson About Our Insurance Plans and Quality Service

We look forward to speaking with you about your restaurant insurance needs. Please give us a call at 757-591-2032 to find out how we can help protect you today and into the future.