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TAILORED INSURANCE PROTECTION FOR YOUR FOOD SERVICE BUSINESS
Running a food service business comes with unique risks, from employee injuries to property damage and liability claims. At American Eagle Insurance Agency, we specialize in providing comprehensive insurance solutions designed to protect every aspect of your food business, ensuring you can focus on serving your customers with confidence.
WHO NEEDS FOOD SERVICE INSURANCE?
We offer tailored insurance coverage for a wide range of food-related businesses, including:
- Bakeries and pastry shops (both home-based and commercial)
- Restaurants, cafes, and coffee shops
- Caterers and banquet halls
- Food vendors and food carts
- Private and personal chefs
KEY INSURANCE COVERAGES FOR FOOD BUSINESSES
1. General Liability Insurance
Protects against claims of bodily injury or property damage caused by your business. For example:
- A customer slips and falls in your bakery or restaurant.
- A catering client claims their property was damaged during an event.
2. Commercial Property Insurance
Covers your owned or rented building, equipment, and inventory against risks like fire, theft, and weather damage. This includes protection for:
- Ovens, stoves, mixers, and refrigerators in a bakery or restaurant.
- Delivery vehicles for food carts or catering operations.
3. Business Income Insurance
Helps replace lost income if your business must close due to covered property damage, ensuring ongoing expenses like payroll and rent are covered.
4. Workers’ Compensation Insurance
Provides benefits for employees injured or made ill on the job, such as:
- Medical care and wage replacement for a chef who burns their hand in the kitchen.
- Physical therapy for a food vendor who strains their back during setup.
5. Commercial Auto Insurance
Covers accidents involving business-owned vehicles, such as:
- A delivery driver involved in a collision while transporting catered meals.
- Damage to a food cart or truck while traveling to an event.
6. Liquor Liability Insurance
Protects businesses serving alcohol from claims of bodily injury or property damage caused by intoxicated patrons. For instance:
- A customer causes an accident after leaving a restaurant or catered event.
7. Food Contamination Insurance
Helps recover lost income and necessary expenses if your business is temporarily shut down due to a contamination incident, such as:
- Receiving tainted ingredients that make customers ill.
8. Equipment Breakdown Insurance
Covers repair or replacement costs for essential equipment that breaks down unexpectedly, ensuring minimal disruption to your operations.
WHY CHOOSE AMERICAN EAGLE INSURANCE?
Since 1967, American Eagle Insurance Agency has been a trusted partner for businesses across industries. We provide:
INDUSTRY-SPECIFIC EXPERTISE
We understand the unique risks faced by food service businesses, from fire hazards to customer injuries. Our team works with you to design customized policies tailored to your needs.
COMPREHENSIVE PROTECTION
With coverage options ranging from property and liability to specialized endorsements like perishable goods in transit, we help you protect every aspect of your business.
PROVEN RELIABILITY
With over five decades of experience, we’ve built a reputation for trust and dependability. Businesses rely on us to deliver protection and peace of mind.
