Restaurant Insurance – PA


How good is your current restaurant insurance program?

Pennsylvania restaurateurs have many choices for their restaurant insurance. However, your insurance program is only as good as the agent who designed it for you. Yes, the insurance company backs up the policy, but it is the agent that tells the insurance company what coverage to put on the policy. If you’re dealing with an agent who does not specialize in restaurants you are likely to have some major gaps in your insurance coverage.

Coverage gaps normally are not apparent to the restaurant owner until after the claim has occurred and has been denied by the insurance company. Unfortunately it is then too late to get coverage!

Does a great restaurant insurance program cost a lot?

Restaurant insurance does not have to cost a lot. Today there are many companies interested in writing restaurant insurance. In fact, Hornafius Insurance Agency will not only help you design the perfect restaurant insurance program for you, but we will also do the insurance shopping for you. We represent many insurance companies that are highly competitive with restaurant insurance and we will analyze what each company has to offer and present to you the best offerings.

How to get your personalized restaurant insurance program

When you work with one of the professionals at Hornafius Insurance Agency you are getting an agent who knows the restaurant industry and has the education to design a restaurant insurance program that is customized to your specific needs. Every insurance agent should provide you coverage for the basics, including

  • building and contents coverage
  • general liability insurance
  • workers compensation insurance

However, where most agents fall short is when it comes to the unique exposures that the restaurant business presents.

Our menu of expanded insurance coverage :

  • Loss of income coverage
  • Extended loss of income coverage
  • Equipment and machinery breakdown coverage
  • Food spoilage coverage (need to select the reasons for spoilage)
  • Liquor liability
  • Off premise utility failure coverage
  • Commercial auto coverage (including delivery)
  • Commercial auto business income coverage (for those businesses with altered or specialized vehicles)
  • Hired and non-owned auto liability
  • Employment practices liability
  • Employee benefits liability
  • Excess liability coverage
  • And more!


Two reasons to get started now:

  1. Before another plate of food goes out or that next drink is served, make sure that you have the proper protection that your restaurants needs.
  2. Find out just how inexpensive a quality program can be with a no-risk insurance proposal today. Request a Quote or give us a call at (717) 367-5126.