Distinguished Blog - Restaurants

Market insights and industry news.

A Broker’s Guide to Fast-Casual Restaurant Insurance

The fast-casual restaurant sector is projected to be valued at $209 billion by 2027 and is among the fastest-growing food chain types in the industry, according to Allied Market Research. Fast-casual restaurants fall somewhere between fast-food operations and restaurants with full-table service. At a fast-casual restaurant, you typically order at the counter either to sit…

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Specialized Restaurant Insurance: Costs, Coverages, and Exposures

Like any good chef will tell you, food is all about the details. Restaurant insurance is no different. Many general policies may look appetizing on the surface, but in reality, they lack crucial restaurant-specific coverages, like food spoilage, foodborne contamination or business interruption. That’s why restaurant owners need insurance policies designed specifically for restaurants by…

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Restaurant Insurance: The Secret Ingredient to Building Your Portfolio

Brokers, are you ready to become the ‘master chef’ of restaurant insurance? Learn more about our Restaurant Insurance programs by watching our Q + A session recorded last week. Join us as we delve into the complex world of restaurants and answer your questions on restaurant insurance to help you build your business. Get the…

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Insurance for Caterers: What they Need to be Covered

If you’re expanding from insuring restaurants to also insuring catering businesses, you’d be forgiven for thinking that they’re practically the same. They both sell food, right? The truth is that insurance for caterers varies quite a lot from restaurants and requires you to understand the industry and what unique risks they face. Caterers need brokers…

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Fine Dining Restaurant Insurance: The Details Brokers Need

Fine dining experiences set themselves apart by attending to the details. Every bite, ingredient, and placement on the dish has been carefully considered so that the customer just has to sit back and enjoy. When shopping for insurance, restauranteurs expect the same level of professionalism — every policy, price, and coverage needs to perfectly complement…

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Food Truck Insurance: Top 4 Exposures To Know

Food trucks began gaining traction in 2008 as social media and a growing interest in street food converged. Los Angeles was home to the first Kogi taco food truck, while New York began serving dumplings out of a truck more than a decade ago.

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9 Restaurant Insurance Exposures You Need to Know

Restaurants face several exposures, including those that all businesses face and others specific to the industry and their operation. Restaurant insurance claims stem from property, liability, cyber, crime, and employment practices-related exposures. The key is to ensure the right insurance program and protocols are in place to transfer and mitigate these risks. PROPERTY RESTAURANT INSURANCE…

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5 Reasons You Need Distinguished Restaurant Insurance

Distinguished is your one-stop shop for restaurant insurance needs. Watch this quick 1-minute video above highlighting our comprehensive coverage. Or read below to learn more: Reason #1: One-Stop Shop for Restaurants Distinguished offers Property, General Liability, Liquor Liability, EPLI, Umbrella, Cyber, and other product enhancements. You’ll be able to provide exclusive protection from an A+…

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How Much Does Restaurant Insurance Cost?

Restaurants require protection against many different types of hazards. To address their various risks, General Liability, Commercial Property, EPLI, Cyber Liability, and Umbrella Liability are just some of the coverages that should make up a restaurant’s insurance program. But how do insurers determine the restaurant insurance cost? The cost of a restaurant insurance program depends…

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Ghost Kitchens Insurance Package… A Closer Look

Ghost kitchens, also known as “cloud” or “virtual kitchens,” are cooking facilities chefs and restauranteurs can lease. There are no dining rooms, seats, tables, waiters, hosts/hostesses, cashiers, or patrons. As one publication described them, ghost kitchens are sort of the “We Work” for chefs. In essence, they are physical spaces for operators to create off-premises…

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How to Be Prepared for Cyber Monday Hacks

Cyber Monday is the appointed day when people frantically shop online for the best deals in time for the holidays. Everything from TVs, phones, and laptops to mattresses and appliances are promoted as being available at the lowest price all year. According to Adobe’s yearly shopping insights report, retailers reported a whopping $10.8 billion in…

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