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Restaurant Insurance in Indiana

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food liability Insurance Indiana

Understanding Indiana Business Insurance for Restaurant 

food spoilage coverage in Indiana

A delicious dish leaves a happy customer, but a greasy floor sends another flying.

Or, a power outage wipes out your carefully stocked freezers. These are just a few unexpected events that can turn a sizzling hot restaurant into a cold, hard reality.

So, how can Indiana restaurants keep the heat on and avoid getting burned?

The answer lies in having the right insurance to protect your business. With proper coverage, small business owners in Indiana can weather the storms and focus on what truly matters: serving amazing food and creating unforgettable dining experiences.

Let The Allen Thomas Group help you find the perfect insurance guide for your Indiana restaurant’s success. With us, protecting your small business could not get easier.

Click on the button below to get a free quote now!

Table of Contents

How much does restaurant insurance in Indiana cost?

The cost of restaurant insurance in Indiana can vary significantly depending on several factors such as:

  • Location (urban vs rural)
  • Size and type of restaurant (fine dining, fast food, etc.)
  • Number of employees
  • Alcohol sales
  • Claims history
  • Specific coverages needed

However, on average, most small to medium-sized restaurants in Indiana can expect to pay:

  • $500 – $2,000 per year for basic general liability coverage
  • $2,000 – $8,000 per year for a bundled business owner’s policy

Larger restaurants, those with liquor liability exposures, or higher risk operations may pay $10,000 or more annually for comprehensive insurance packages.

Getting The Right Coverage Mix

What Can Restaurant Insurance in Indiana Do?

Restaurant insurance in Indiana acts like a superhero cape for your business, protecting you from a range of risks that could threaten your success. Here’s how:

Financial Fortress

It covers costs associated with lawsuits from slip & falls, foodborne illness outbreaks, or even damage to your property. Imagine a customer injuring themselves on a wet floor – insurance can be the shield that protects you from a hefty lawsuit.

Employee Guardian

Workers’ compensation insurance, a mandatory coverage, takes care of medical bills and lost wages if an Indiana worker gets hurt on the job.

Food Fighter

Food spoilage coverage ensures you don’t have to sweat a power outage or equipment failure ruining your precious inventory. 

Liquor Liability Lockdown

If you serve alcohol, this specific coverage protects you from lawsuits arising from intoxicated patrons.

Peace of Mind 

Knowing you’re covered with an appropriate business insurance policy allows you to focus on what truly matters – creating delicious food and a welcoming atmosphere for your customers.

In short, insurance for your Indiana restaurant is the protection you need to handle the unexpected, keeping your business safe and sound so you can continue serving up culinary delights.

At The Allen Thomas Group, we do not take an all-or-nothing approach to insurance coverage for restaurants. Every restaurant has its distinct flavor; as such, every client’s coverage requirements differ accordingly. That is why we take time to learn your business intimately, from your style of cuisine served to its size of operation.

After we have evaluated your business insurance requirements and individual risks, we’ll tailor a comprehensive insurance package that addresses them all, selecting from among a menu of essential policies

Types of Indiana Business Insurance Coverage 

A restaurant owner in Indiana should consider general liability coverage for third-party claims of bodily injury, property damage, and advertising injury arising from your operations. 

General liability helps protect your business against customer slip-and-fall lawsuits, food poisoning claims, etc.

From sizzling steaks in Indianapolis to delicious bagels in Fort Wayne, Indiana restaurants across the Hoosier state face unique challenges. One crucial element for any Indiana restaurant’s success, regardless of location, is having sufficient Commercial General Liability insurance.

Without it, you’d be paying out-of-pocket for costly injury claims or accidental damage to someone else’s property caused by your business activities.  

Indiana state law makes comp insurance mandatory for businesses with employees.

This type of business insurance can help when an Indiana worker gets injured or ill due to a work-related task.

Indiana workers’ comp insurance covers medical costs and lost wages of the injured employee.

Such type of Indiana restaurant insurance provides crucial protection for your staff and shields you from being sued by an injured worker in the Hoosier state.

Failing to carry workers comp can result in steep fines and penalties from the state.

Another important type of Indiana small business insurance, commercial property coverage also called business property insurance insures your physical space, equipment, inventory, and other business property against fire, theft, storms, and vandalism. 

Most commercial property policies cover the full replacement cost value after a deductible.

This allows you to rebuild and restock after a total loss without draining your reserves.

If you have a delivery fleet or other business vehicles, you need commercial insurance for vehicles.

This type of Indiana commercial insurance helps cover liability from accidents as well as physical damage to your vehicles.

Personal auto policies don’t provide enough coverage for business use.

Commercial auto insurance has higher liability limits and protects employee drivers.

If your restaurant serves alcoholic beverages, liquor liability insurance is crucial. 

It protects you from claims arising from intoxicated patrons who cause injury or property damage to others after leaving your establishment.

Coverage includes legal fees, medical costs, and potential settlements/judgments from liquor-related lawsuits.

In Indiana, you must carry active liquor liability insurance to obtain and maintain a liquor license for your restaurant.

Without it, you risk steep fines and being unable to serve alcohol legally.

Food contamination incidents can devastate a local Indiana restaurant through lawsuits, lost revenue from closures, and reputation damage.

 Food contamination insurance provides financial protection in such events for your professional services.

It covers customer medical costs if they get sick from contaminated food you served. It also pays for legal defense, third-party investigation costs, public relations expenses to restore your brand, and lost business income during closure periods.

While not required in Indiana, this specialized coverage fills a major gap in general liability policies related to foodborne illnesses, product recalls, and contamination allegations – providing a crucial safety net.

Also called professional liability insurance, E&O coverage covers claims of negligence, mistakes, or failure to deliver promised services, such as for catering jobs.

It protects you if a client alleges issues with your professional work or services and sues you for financial damages.

This is a business liability insurance you need, which isn’t included in a commercial general liability policy.  

Protects against costs from cyber events like data breaches, hacking, and ransomware attacks exposing customer payment info, or other sensitive data.

As more restaurants adopt online ordering and digital operations, cyber liability has become an essential coverage to manage risks.

Data breach costs can be extraordinarily expensive.

It is a bundled policy combining business interruption, commercial property insurance and general liability, among other different insurance coverages at a bundled, discounted premium.

It makes insurance simpler by packaging key coverages together.

BOPs often have lower premiums compared to purchasing each policy separately.

affordable Indiana restaurant Insurance
Stress-free Solutions

Why do you need a certificate of insurance for restaurant in Indiana

food liability Insurance Indiana

A certificate of insurance is an important document that million small businesses in Indiana need as a proof of coverage. 

Proof of Insurance Coverage
A COI serves as evidence that your restaurant carries active insurance policies and the types of coverage you have in place. It summarizes your policy details like the insurer, policy numbers, coverage limits, and effective dates.

Meeting Contractual Requirements
Landlords, vendors, event organizers, and anyone else that your restaurant does business with often require you to provide a valid COI before entering into contracts or agreements. It verifies you have the proper insurance coverage required by the other party.

Liquor Licensing 
The State of Indiana requires restaurants that serve alcohol to have active liquor liability insurance.

A COI demonstrating you carry this coverage is necessary for obtaining and renewing your liquor license.

Participating in Events
If you plan to have your restaurant participate in local fairs, festivals, or food-related events, the event organizers will likely require a COI proving you have adequate general liability and other relevant insurance.

Managing Liability Risks
Having a COI allows you to proactively show proof of insurance to anyone that may have concerns about your liability exposures and coverages.

It helps give customers, partners, and others peace of mind about doing business with your establishment.

At The Allen Thomas Group, we understand the insurance documentation needs of Indiana restaurants.

Get a certificate of insurance whenever you need one for contract work, events, licensing requirements, or other business reasons.

Don’t let insurance paperwork be an obstacle – let us handle it for you smoothly

Insurance Solutions Customized For You

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right restaurant insurance can be and how it affects your peace of mind when you don’t have the right coverage. Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Our happy customers
We’ve helped IN Restaurant Clients Just Like You

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your restaurant

Get Customized Insurance for Indiana Small Businesses at The Allen Thomas Group

With so many insurance providers competing for your business, The Allen Thomas Group stands out.

Our team has an impressive track record in providing restaurants in Indiana with comprehensive protection that exceeds expectations, while also upholding exceptional service levels.

With decades of food and beverage industry expertise and partnerships with multiple top-rated insurance carriers, we possess all of the resources to tailor a suitable insurance package for you.

What truly sets us apart, however, is our dedication to building long-lasting relationships with our clients and shielding you from financial losses in different situations.

We don’t just want to sell you business insurance in Indiana and go away; we’re your trusted advisors, dedicated to seeing your business flourish and thrive.

Whether it’s assistance with filing claims or help updating coverage, we will be here for you every step of the way to understand your business insurance needs and protect your Indiana small business income.

Insurance requirements may vary by state. We understand that running a restaurant can be expensive, which is why we work tirelessly on your behalf to negotiate competitive business insurance costs with insurance carriers and secure coverage at a reduced price point than you’d find on your own.

If you’re ready to explore insurance options for your Indiana restaurant, we are just a phone call or a click away.

Our friendly insurance advisors are on standby ready to answer any queries, address concerns, and walk you through the process of finding coverage that is suitable for you and your restaurant’s specific needs.

Doing a business insurance quote online is quick and simple – simply fill out our online form, and our licensed insurance agents will handle everything else for you.

We compare policies from multiple insurance providers for different types of small businesses so you get the most competitive rates and coverage for your business.

Get a quote now!

Frequently Asked Questions

Get More Insights On Making The Right Insurance Decision For Your Restaurant 

While specific needs vary, some key coverages are essential to shield your business against potential risks and legal defense costs.

  • General Liability
  • Workers’ Compensation 
  • Commercial Property

St. Elmo Steak House (Indianapolis): A historic and stately establishment known for its steaks, seafood, and classic cocktails. They’ve been a staple since 1904 and have even been featured in several movies.

LaSalle Grill (South Bend): An upscale dining establishment with an amazing reputation for exquisite cuisine and top-notch service. They’ve been around for over 70 years and are a favorite for special occasions.
 
Turoni’s Pizza and Brewery (Evansville): This historic pizza place and brewery has a cult-like following and has been serving up Evansville residents delicious thin-crust pizza for over 100 years. Their garlic cheese bread is legendary!
 
Bluebeard (Indianapolis): This trendy restaurant offers a unique and ever-changing menu of American cuisine served in a renovated 1924 warehouse. They are known for their creative and flavorful dishes and eclectic atmosphere.
 
Gamba Ristorante (Merrillville): This award-winning establishment features inventive takes on classic Italian dishes alongside new and creative recipes. They also have a stunning atmosphere and a wide selection of drinks.
 
  • Indiana Department of Insurance: https://www.in.gov/idoi/ (Find information on business insurance requirements in Indiana)
  • Indiana Workers’ Compensation Board: https://www.in.gov/wcb/ (Provides resources and regulations on worker’s compensation insurance)
  • Indiana Alcohol and Tobacco Commission (ATC): https://www.in.gov/atc/ (Information on licensing requirements for serving alcohol)
  • National Restaurant Association: [National Restaurant Association: [https://restaurant.org/] (Industry association with resources on restaurant insurance)
  • Food and Drug Administration (FDA) Foodborne Illness Cost Calculator: https://www.ers.usda.gov/data-products/cost-estimates-of-foodborne-illnesses/ (Helps estimate potential financial impact of foodborne illness outbreaks)

Indiana Cities We Serve

Alexandria
Anderson
Angola
Auburn
Austin
Avon
Bargersville
Batesville
Bedford
Beech Grove
Berne
Bloomington
Bluffton
Boonville
Brazil
Bremen
Bright
Brownsburg
Carmel
Cedar Lake
Charlestown
Chesterton
Cicero
Clarksville
Clinton
Columbia City
Columbus
Connersville
Crawfordsville
Crown Point
Cumberland
Danville
Decatur
De Motte
Dunlap
Dyer
East Chicago
Edinburgh

Elkhart
Ellettsville
Elwood
Evansville
Fishers
Fortville
Fort Wayne
Frankfort
Franklin
Garrett
Gary
Gas City
Goshen
Granger
Greencastle
Greendale
Greenfield
Greensburg
Greenwood
Griffith
Hammond
Hartford City
Hidden Valley
Highland
Hobart
Huntertown
Huntingburg
Huntington
Indianapolis
Jasper
Jeffersonville
Kendallville
Kokomo
Lafayette
Lakes of the Four Seasons
Lake Station
La Porte

Lawrence
Lawrenceburg
Lebanon
Ligonier
Linton
Logansport
Lowell
Madison
Marion
Martinsville
McCordsville
Merrillville
Michigan City
Mishawaka
Mitchell
Monticello
Mooresville
Mount Vernon
Muncie
Munster
Nappanee
New Albany
New Castle
New Haven
New Whiteland
Noblesville
North Manchester
North Terre Haute
North Vernon
Notre Dame
Pendleton
Peru
Plainfield
Plymouth
Portage
Porter
Portland
Princeton

Rensselaer
Richmond
Rochester
Roselawn
Rushville
Salem
Schererville
Scottsburg
Sellersburg
Seymour
Shelbyville
Simonton Lake
South Bend
South Haven
Speedway
St. John
Sullivan
Tell City
Terre Haute
Tipton
Valparaiso
Vincennes
Wabash
Warsaw
Washington
Westfield
West Lafayette
Westville
Whiteland
Whitestown
Whiting
Winchester
Winfield
Winona Lake
Yorktown
Zionsville