INSURANCE BUILT FOR RESTAURANTS
By People Who Understand the Industry
Running a restaurant means managing constant motion—and constant risk. From kitchen fires and equipment failures to liquor liability and employee safety, restaurant owners face exposures that demand specialized protection. Our agency delivers insurance solutions tailored specifically for hospitality businesses, backed by real operational insight.
We work closely with restaurant owners to identify the risks unique to their concept, service style, and location. Whether you operate a café, fine dining establishment, food truck, or multi-location brand, we customize coverage to protect your property, staff, and financial stability.
INDUSTRY EXPERTISE WITH
Ongoing Guidance
Restaurant insurance isn’t one-size-fits-all. Our team combines deep industry expertise with ongoing support, understanding the operational pressures owners face—staffing, seasonality, vendor relationships, and regulations—so we can recommend smarter protection and anticipate exposures others may miss. As your restaurant evolves, we ensure your insurance keeps pace, advocating on your behalf when claims occur to help minimize downtime and protect your livelihood.
Property
Commercial property insurance helps protect your owned or rented building, plus the equipment you use to operate your restaurant. It covers losses from many sources, such as fire, burglary, theft, wind and lightning.
Auto
Auto insurance protects your business, your delivery drivers and the vehicles you own, lease, rent or borrow. Liability insurance protects against accidents that are your responsibility. Physical damage insurance protects the vehicle and property damaged.
Liability
Liability insurance protects your restaurant from lawsuits stemming from your business operations and accusations of negligence, bodily injury, libel and slander.
Cyber
An essential coverage in today’s technological world, cyber insurance protects your business from data loss, damage caused by phishing or hacking, and the added expense of regulatory compliance.
Business Income Loss
Business income loss insurance helps replace lost income and cover ongoing expenses if your business has to temporarily shut down due to a covered event, helping you stay financially stable while you recover.
Executive Liability
Executive liability insurance protects the executives, directors and officers of your business from lawsuits related to board decisions.
Umbrella
Umbrella Insurance provides an extra layer of protection beyond your business policy. It helps cover large liability claims and legal costs, giving you peace of mind when the unexpected happens. Whether you're facing a major accident or a lawsuit, umbrella insurance helps safeguard your company's assets and future.
Liquor
Liability
Liquor liability insurance protects your restaurant if it’s held responsible for injuries, property damage, or legal claims resulting from alcohol served to patrons.
Get a no-obligation quote.
RISK CONSULTANTS WITH SPECIALIZED
Knowledge and Experience
Whether you operate a multi-location franchise or a small café, the right insurance plays a vital role in your long-term success and financial stability. At Knight Insurance, a business insurance policy is just the starting point. We offer a range of products and services designed to strengthen and protect your business—along with your employees and customers.
Mitchell Fink
Risk Consultant
Mitchell Fink is a Risk Consultant at Knight Insurance Group. He has been with the agency since 2020 after earning a bachelor’s degree from BGSU in Business Administration specializing in Insurance and Risk Management. Mitchell has a niche focus in small business insurance and works to help protect and serve local businesses in the Toledo area. In his spare time Mitchell enjoys being active, live music and spending time with friends and family.
