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Salmon Fillet

Fine Dining Restaurant Insurance

Fine dining restaurants operate at the highest standards — but face equally high risks. From liquor liability to luxury property protection, Insurance Alliance helps fine dining establishments secure tailored insurance across Washington, Florida, Texas, Arizona, and Idaho.

Two Women at Hibachi Bar

Risks for Fine Dining Restaurants

  • Liquor liability exposure

  • Fire damage from kitchens or candles

  • Foodborne illness lawsuits

  • High-value interior and equipment coverage needs

  • Employee injury in kitchens and dining areas

Key Coverages

  • General Liability – Protects against lawsuits for accidents or injuries

  • Business Owner’s Policy (BOP) – Bundles property and liability coverage

  • Workers’ Compensation – Covers medical expenses and wages for injured employees

  • Liquor Liability – Essential for restaurants serving beer, wine, or cocktails

  • Business Interruption Insurance – Replaces lost income after a covered closure

  • Equipment Breakdown – Covers costly repairs or replacements for stoves, ovens, or coolers

Elegant Cheese Dessert
Riverside Cafe

Why Choose Insurance Alliance?

  • Coverage tailored to upscale dining

  • Compliance with lease and liquor license requirements

  • Multi-carrier options to balance cost and protection

  • Responsive service to keep operations running smoothly

  • Local knowledge across WA, FL, TX, AZ, and ID

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