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From a downtown tavern to an up-north brewery, a food truck to the corner grocery, the food and beverage business runs on tight margins and real risks — liquor liability, food spoilage, and equipment that has to keep running. We build coverage that fits how you actually operate, and we shop it across our carriers.
If it serves food or pours a drink, we can help protect it. We write coverage for the full Michigan food-and-beverage scene — and we understand the risks that come with each kind of operation.
Tailored to your operation and subject to underwriting. Common pieces include:
Protection against alcohol-related injury claims and the “million-dollar lawsuit” risk — with Assault & Battery coverage available.
When a cooler fails or the power goes out, coverage for inventory lost to temperature or humidity changes.
Cleanup, replacement, and lost income if a contamination event forces you to close.
Refrigeration, ovens, HVAC, and POS systems that simply have to keep running.
For delivery driving in employees’ own vehicles — a gap many restaurants miss.
Your building and contents, plus the income you’d lose if you had to shut the doors.
A complete food and beverage program brings property, liability, and liquor liability together — with the option to add a commercial umbrella for extra protection above it. Coverage is subject to underwriting.
Through accredited programs from Illinois Casualty Company, we can connect you with ON-TAP alcohol-server training, plus food safety, allergen awareness, and harassment-prevention courses. Better-trained staff means fewer claims — and ON-TAP server training can earn discounts on your liquor liability. Contact us and we’ll help get a program scheduled.
Coverage descriptions on this page are general and subject to underwriting and the terms of the policy you purchase. Liquor-liability limits and discounts vary by carrier and program. Insurance is not bound or altered until you receive confirmation from an authorized representative. Contact a local Top O’ Michigan agent for a quote.
Tank leakage, spoilage, tasting rooms, and product contamination for Michigan craft producers.
Fuel pump and pollution liability, liquor liability, and spoilage for c-stores and gas stations.
Mobile equipment, spoilage, general liability, and venue additional-insured for operators on the go.
If you serve alcohol, almost certainly. Liquor liability covers claims arising from serving patrons, which standard general liability often excludes. Michigan venues that serve alcohol typically need it, and landlords or events may require it too.
Commonly general liability, commercial property, liquor liability, food spoilage, food contamination, and equipment breakdown — packaged to fit your operation. Coverage is subject to underwriting.
It can. Food spoilage coverage, often paired with equipment breakdown, helps with inventory lost when refrigeration fails. It’s worth confirming the limits with your agent.
Yes — through our ON-TAP server training, which helps your team serve responsibly and can support better terms with carriers. Ask us about getting your staff trained.
Yes. Mobile vendors have different exposures — mobile equipment, spoilage, and event liability — so we write food trucks and mobile vendors alongside brick-and-mortar spots.
Tell us about your restaurant, bar, brewery, or shop and we’ll shop the right coverage across our carriers — and help line up server training while we’re at it.
