Restaurant Insurance | AJG United States

From quick-service chains to fine dining establishments, restaurants face complex and evolving risks, including rising food costs, labor shortages, cyber attacks and regulatory changes. Whether you operate a single establishment or a national chain, having the right insurance, risk management and benefits programs in place is essential to your continued success.

The Gallagher Restaurant Insurance and Consulting team specializes in helping restaurants of all sizes protect what matters most. Our dedicated specialists have deep experience in the restaurant industry and provide comprehensive property, casualty and employee benefits solutions tailored to your organization and supporting every aspect of your operations. Our clients include:

Quick service restaurants (QSRs)
Fast casual restaurants
Casual dining restaurants
Fine dining restaurants
Food trucks and pop-ups

Cafes and coffee shops
Bars and lounges
Delivery operations
Breweries
Catering services

Insurance and risk management solutions for the food service industry

Our clients span the restaurant industry, and we provide a wide range of restaurant insurance programs to meet their evolving needs. Growing adoption of AI and substantial delivery service growth are introducing new risks to an already complex space. We work with you to deliver tailored programs that protect your business and help mitigate your risk exposures. In addition to general liability, workers compensation and business interruptions coverages, our offerings include:

Property and casualty

Coverage for physical assets, including buildings, equipment and inventory, as well as liability protection against claims of bodily injury or property damage.

Liquor liability

Coverage for establishments that serve alcohol, protecting against claims related to the sale and service of alcoholic beverages.

Restaurant contamination insurance program

Comprehensive coverage and risk management solutions to protect restaurants from the financial and reputational impacts of food contamination incidents, ensuring business continuity and regulatory compliance.

Hired and non-owned auto insurance

Liability coverage for accidents or damages when employees use rented or personal vehicles for business purposes, ensuring financial protection and peace of mind.

Cyber liability

Protection against data breaches and cyber threats, which are increasingly prevalent with the fast-moving technology landscape.

Gallagher Pizza Program

Specialized insurance and risk management solutions tailored to the unique needs of pizza restaurants, covering everything from property and liability to delivery-related risks, ensuring comprehensive protection and operational success.

Employee benefits tailored to your restaurant business

Attracting and retaining talent is one of the toughest challenges in the restaurant industry, and competitive benefits can help you stand out — and support the health and wellbeing of your employees. With a wellbeing-centric culture, your employees thrive and perform at a higher level, optimizing your investment in talent, mitigating organizational risk and maximizing profitability. Our dedicated team offers a full range of benefits consulting and administration services, including:

Pharmacy benefit management

We provide strategic solutions to optimize prescription drug programs, ensuring cost efficiency and improved health outcomes for employees through tailored plan designs and data-driven insights.

Wellbeing consulting

We view wellbeing as an integral part of your overall benefits and organizational strategy to help manage health care costs and to attract, retain and engage your employees. Through a creative and data-driven consultative approach, your wellbeing consultant will develop an action plan that encompasses health promotion and health risk solutions to achieve meaningful and measurable outcomes, providing insights:

Organizational wellbeing — We design comprehensive strategies for managing risk, staying on top of compliance and clearly communicating your organization's wellbeing.
Physical and emotional wellbeing — Gallagher People Strategy offers solutions for promoting a healthier, happier workforce.
Career wellbeing — We develop compensation structures that reward the individuals who help your organizations grow and set them up for career-long success.
Financial wellbeing — Gallagher works with you to guide your financial security strategy and help ensure your people can meet their daily budget and financial commitments and position them to be retirement ready.

Communications

Our communications and engagement consultants work with you to understand your needs, culture and stakeholders, establish goals and develop a communication and engagement plan that strengthens the bond between employers and employees.

Gallagher 401(k) Choice Pooled Solutions℠

This comprehensive retirement plan is designed to simplify the management of 401(k) plans for employers while providing robust investment options and fiduciary support. It makes high-quality retirement plans accessible and affordable for restaurant employees, who traditionally have low 401(k) program participation.

Data-driven strategies that optimize coverage and minimize costs

Gallagher leverages advanced data, analytics, surveys and other tools to provide our restaurant clients with robust insights and strategic guidance. Our proprietary data capabilities enhance your ability to manage risks, control costs and optimize your operations. Our suite of products and tools includes Gallagher Drive^®, our comprehensive risk management platform that offers real-time data and analytics, a benchmarking analysis tool that lets you compare performance against industry standards and peers, and our annual national benefits survey, with data from more than 4,000 organizations across the US.

The power of Gallagher's global network

Gallagher provides the resources of a global partner and the customer focus of a dedicated team. Through the Gallagher Global Network — our integrated network of insurance brokers and consultants — we offer broad market access with senior relationships, deep experience managing complex risks and innovative coverage and financing solutions for your organization.

Customized protection to support your restaurant business

Protecting your restaurant requires a partner who understands your exposures, your people and your goals. From risk mitigation to employee wellbeing, our specialized Restaurant Insurance and Consulting team designs solutions that evolve with your business and ensure you can face whatever challenges lie ahead with confidence.

Jay Gates

Managing Director, Restaurants Practice

Omaha, NE

Phone Number (402) 829-1114

Mark Orzechowski

Area Vice President and Managing Director, Hospitality & Restaurant Practice

Chicago, IL

Phone Number (630) 285-3893

Restaurants Insurance Summary

Extensive restaurant industry experience
Comprehensive and cost-effective coverage options to protect your business and your employees
Innovative tools and analytics for informed decision-making and strategic growth

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Restaurant Insurance and Consulting

Specialized solutions to protect your restaurant's assets and workforce

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