Restaurant Insurance in Bend, Oregon

Covers bodily injury and property damage claims — including slip-and-fall accidents, foodborne illness claims, and customer property damage.

Covers your building, equipment, furniture, inventory, and improvements against fire, theft, vandalism, and other covered perils.

Covers lost income and ongoing expenses if your restaurant is forced to close after a covered loss — critical for Bend's seasonal restaurant economy.

Required for any Bend restaurant or brewery that serves alcohol. Covers claims arising from alcohol service — including dram shop liability.

Required in Oregon if you have employees. Covers medical expenses and lost wages for kitchen staff, servers, and other employees injured on the job.

Covers delivery vehicles and catering vehicles used for business purposes — personal auto policies exclude business use.

Covers repair or replacement of commercial kitchen equipment — refrigerators, ovens, fryers, and HVAC — after mechanical or electrical breakdown.

Covers the cost of food inventory lost due to power outages or equipment failure — a significant exposure for restaurants with large food inventories.

Covers data breaches, ransomware, and cyber fraud — important for restaurants that process credit cards and maintain customer data.