Arizona’s restaurant scene is booming. The Arizona Restaurant Association estimates restaurant sales in 2024 will total $23 billion. If you are a restauranteur looking for exceptional service, Wilson Insurance endeavors to be your agent of choice. We bake tailored coverages, friendly customer service, and broad market access into every policy we write. It’s been our family recipe for success since 1987!
Together we can find solutions to address your insurance coverage and budget requirements
We don’t want you to pay more than you should either. We will steer you towards savings
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
Wilson Insurance is actively looking to write the following classes of restaurant business:
Wilson Insurance makes it easy to get a quote for your business. We endeavor to give you service that holds up to Michelin Guide standards. Rather than send you a supplemental application to fill out, we will call and ask you questions about your operation. It should take no more than 10 minutes. We can also help you request loss run reports from your current insurance company.
This coverage provides coverage for your building, contents, business interruption and extra expense should you suffer a partial or total loss following a covered claim.
This coverage protects equipment from damage other than normal wear and tear. It also provides business income interruption coverage should you have to close down while the equipment is repaired – like an HVAC unit in the middle of an Arizona summer.
This coverage protects your business from bodily injury, premises, products and completed operations, personal and advertising injury, and even damage to the premises you rent or lease. It also provides legal expenses that are outside your coverage limit.
As a restaurant, you could be held liable for damages and legal expenses should a patron who was served alcohol get involved in an accident after leaving your bar. This coverage provides coverage limits and legal protection should you be sued.
This coverage protects against foodborne illness as a result of contaminated food served to patrons. It covers the expense of notifying customers, recalling products off your shelf, decontamination, loss of business income, crisis management, and medical costs should customers get sick or injured.
If you have workers who drive their cars to make deliveries or to run errands for your company, you could benefit from having hired and non-owned auto coverage. It provides an extra layer of coverage over your employee’s personal auto policy. This protects you both. This coverage also covers business autos you have licensed to your business.
Certain claims have the potential to pierce your underlying liability coverage. This coverage provides an extra layer of protection and legal defense. For more information, check out our commercial lines coverage page.
Restaurant operations are in the top five industries for EPLI claims. While some insurance policies include nominal EPLI coverage in an enhancement, it may not be adequate for your exposure. For detailed information about EPLI coverage, check out our commercial lines coverage page.
Because restaurants deal with personal credit card information, you are susceptible to data breaches and cyber liability lawsuits should customer information become compromised. For more detailed information about data breach and cyber liability insurance, check out our commercial lines coverage page.
Essential coverage includes property, general liability, workers’ compensation, liquor liability, business income, and food contamination insurance.
GL insurance covers bodily injury and property damage resulting from accidents that occur on your premises, like slip and falls.
Property coverage protect physical assets like your building, kitchen equipment, permanently installed equipment, furniture, inventory. It also covers loss of business income (which includes ongoing expenses and employee payroll) and extra expenses if you cannot operate your restaurant because of a covered loss.
Yes, for many reasons. If you have a covered claim this coverage will pay lost income, ongoing expenses, and payroll. If you have outstanding catering orders, extra expense coverage will pay to have a competitor fulfill your orders so you do not lose customers.
Yes, workers’ compensation insurance is mandatory in Arizona. Owners have the option of excluding themselves from coverage.
Food contamination insurance covers losses related to accidental food contamination including cleanup, lost income, and public relations costs to restore your reputation.
You will need liquor liability which covers claims related to damages caused by patrons who were served alcohol at your establishment.
Yes! Spoilage coverage can be added to your policy to cover losses due to power outages, equipment failure, or other covered events that cause food to spoil.
Many insurance companies offer discounts if you bundle multiple types of insurance. It also simplifies billing and policy management.
60 to 90 days before your current policy expires, we will reach out to assess any changes in your policy and compare pricing with other markets vying for your business. We endeavor to be the agency of choice for restaurant business.