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Bakeries
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Industries
Commercial insurance for bar & restaurant businesses
Restaurants can protect their entire operation with one clear policy from THREE.
The whole business.
Covered together.
75+
Years of insurance experience as part of the Berkshire Hathaway Insurance Group
4.7/5
rating from very satisfied THREE customers
3
Page policy with no fine print or surprises
What types of coverage do
bar & restaurant businesses need?
Use our self-assessment tool to see whether your business is protected against the unexpected.
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Businesses we serve
Whole-business protection, made to order
From the front counter to the back kitchen, we cover the whole operation for these businesses and more.
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Bars
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Cafes & Coffee Shops
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Food trucks
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Restaurants
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Taverns
See how easy it is to get whole-business coverage for your business.
Get a Quote
COMPREHENSIVE COVERAGE
The protection you need, in one policy.
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Property & Business Interruption
Protect your property
A grease fire, severe weather, or another unexpected event can damage a restaurant business and interrupt operations. Repair costs, spoiled food, and lost income can quickly add up.
Property coverage helps pay for covered damage, while Business Interruption coverage helps replace lost income if the business must temporarily close.
THREE’s policy includes Property and Business Interruption coverage, helping protect your business and keep it moving forward after a loss.
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Workers’ Compensation
Protect your people
Kitchen safety is essential for your business. Injuries are common, and will lead to claims that cost you time, money, and put your employees out of work.
Workers’ compensation coverage helps pay bills associated with a work-related injury, including medical care and lost wages.
THREE’s policy offers Workers’ Compensation giving your business and your employees the protection they need.
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Liquor Liability
Protect your business
Serving alcohol comes with added risks. If an intoxicated customer injures someone or damages property, the business could face a costly claim.
To protect against these incidents, restaurant businesses need Liquor Liability coverage.
THREE’s policy automatically includes Liquor Liability coverage, helping protect your business from risks that can arise when serving alcohol.
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Employment Practices Liability (EPLI)
Protect your business
Managing a team comes with risks beyond workplace injuries. To protect your business from employee claims involving harassment, discrimination, or wrongful termination, you need Employment Practices Liability Insurance (EPLI).
Many business owners don’t realize these claims typically aren’t covered under General Liability and going without Employment Practices Liability Insurance can be costly.
THREE’s policy includes Employment Practices Liability Insurance, helping protect your business from the risks that come with managing a team.
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Cyber Liability & Incident Response
Protect your operations
Accepting card payments and storing customer data can expose your business to costly cyber incidents.
Cyber Liability coverage helps cover expenses associated with a data breach, while Cyber Incident Response helps manage the breach, notify affected customers, and recover compromised systems.
THREE’s policy includes Cyber Liability coverage and Cyber Incident Response, helping your business respond and recover after a covered cyber incident.
Reviews
See what other businesses have to say about THREE
FAQ
Frequently Asked Questions
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For Businesses
Get a quote for your business
See how easy it is to get a quote for your entire business in just a few minutes.
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For Agents
Get appointed with THREE
Join our growing network of agency partners and give your clients a better way to protect more of their business.