Establishments serving food and alcohol need a unique kind of protection for a number of reasons. Your expertise in the industry means that you know better than most the risks that come with serving alcohol. Sometimes, things don't always go as you plan and accidents do happen. When disaster does strike, your business's income, the livelihood of your employees, and even reputation are all at stake.
We've partnered with the top insurers of restaurants to help protect you from these risks and more. As Michigan restaurant insurance experts, we'll work with you to help you achieve your risk management goals. As your insurance pros, we learn about you, your team, and your business to maximize the value for your annual insurance expense.
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Specialized Property Insurance:
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
Alcohol is a part of your business. It can be a catalyst for great conversation and fun. However, it also comes with risk to you and your business. Be sure you're protecting everything you've built. Not all Liquor Liability policies are created equally, be sure you're familiar with your coverage.
Some unique coverage options include:
We live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Top O’ Michigan is committed to the food and beverage industry which is why we have partnered with Illinois Casualty Company to provide customized food and beverage safety education for food service professionals. This comprehensive training is designed for all staff members including owners, managers, servers and security personnel. Upon successful completion, all participants will receive certification by Illinois Casualty Company.
The education programs include:
PO Box 605
Mio, MI 48647
Local: (989) 826-3989