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Restaurant and Liquor Liability Insurance

Partners for Food Service Protection

Running a restaurant or bar comes with enough challenges. The last thing you need is to worry about equipment failures, customer injuries, or liability from serving alcohol, putting your business at risk.

For over 25 years, Gerety Insurance has helped Maryland restaurant and bar owners protect their businesses with comprehensive coverage designed for the unique risks of food service.

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Restaurant Insurance Coverage

Whether you operate a coffee shop, bar, café, diner, deli, fast food franchise, or full-service restaurant, you face unique risks every day. Equipment failures that spoil inventory, customer slip-and-falls, employee injuries, fire, and water damage—any of these can disrupt your operations and threaten your bottom line.

Essential coverage includes a Business Owners Policy (BOP) with general liability, property insurance, and loss of income protection if you have to close temporarily, workers compensation for employee injuries and illnesses on the job, business crime insurance protecting against employee theft, robbery, and forgery, and commercial vehicle insurance if you make deliveries.

Why restaurant insurance matters: You've invested everything into your business. The right coverage means you can focus on your customers, your food, and your team—not worry about what happens if disaster strikes.
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Additional Protection for Alcohol Service

If you serve alcohol at your restaurant or bar, you need liquor liability coverage. This protects you when an intoxicated customer causes harm to themselves or others after drinking at your establishment.

Standard general liability doesn't cover alcohol-related incidents, so this specialized protection is essential for any business that serves alcoholic beverages. Coverage includes bodily injury claims, property damage, and legal defense costs. Maryland may require this coverage depending on your license type.

Get Coverage in 3 Simple Steps

  1. Review Your Operations
    We'll discuss your restaurant type, revenue, employee count, and specific risks, including alcohol service if applicable.
  2. Build Complete Protection
    Discover coverage that addresses your restaurant's unique needs at rates that work for your business.
  3. Gain a Trusted Partner
    Get ongoing support as your business grows and your coverage needs change.

We understand the food service industry and will build coverage that protects your business while fitting your budget.

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Request Your Quote Today

Focus on running your restaurant—we'll make sure you're protected from the risks. Gerety Insurance provides the partnership and comprehensive coverage that food service businesses need.

Call us or request a quote online—let's start a conversation about your coverage.
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Serving Harford County, Bel Air, and Maryland restaurants for over 25 years.
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