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Restaurants are not imune to regulated insurance requirements.  Act 177 is a new Hawaii State law enacted in 2009 that requires bars, clubs, restaurants, and retail establishments that dispense alcohol to obtain $1 million in liquor liability insurance prior to dispensing.  Restaurants, historically, shape a community, and can be a great source of income, but absent the right insurance, your business may be in jeapardy. Your insurance policy coverage will be your greatest tool if you have a loss. Today’s restaurant environment is more complex than ever and you want to know you’re covered for unexpected occurrences.

The business insurance quote for a restaurant provides coverages for the unique needs of restaurants, including coverage for buildings, employees, liquor liability insurance, loss of business income, trade name restoration and more. Even claims brought by employees and customers for harassment or discrimination can be covered by commercial restaurant insurance.

Atlas will work with you to determine your unique exposures and offer comprehensive solutions that fit your needs.  Unlike most agencies, we have a working knowledge in trade name restoration insurance and business interruption for foodborne illness outbreaks.  Additionally, we have more access to Workers' Compensation insurers in Hawaii making for more competitive premiums.

Most restaurants are underinsured for business income coverage.  Why insure at all if you won't recover adequately after a loss?  Atlas has the expertise you are looking for in helping you complete your business income worksheet.

Typical insurance coverages for Restaurants include, but are not limited to:

Please note, coverage information contained in this website is for illustration purposes only, is general in nature, does not represent insurance contract provisions and is not meant to take the place of an insurance review. Please read your policy for specific details or contact one of our Atlas Agents for more information.