Ready to get started?
Insurance For The Food and Beverage Industry
Food Trucks
Breweries, Distilleries and Wineries
Cafes and Coffee Shops
Food Manufacturers
Serving Up Security: Specialized Insurance for Your Food and Beverage Businesses
Whether you run a bustling restaurant, a cozy coffee shop, or a dynamic food truck, our insurance solutions are designed to meet the unique needs of the food and beverage industry. Protect your establishment from unforeseen risks, including property damage, liability claims, and equipment breakdowns. With our specialized coverage, you can serve your customers with confidence, knowing your business is secure.
Customized Coverage
Whether you're running a restaurant, bar, or catering service, our coverage is tailored to protect your unique operations and assets.
Protection Against Downtime
Minimize the impact of unexpected closures with business interruption insurance, so your income is secure even during unforeseen events.
Liquor Liability Expertise
We specialize in managing the risks associated with serving alcohol, ensuring your business is protected from related claims.
Equipment and Inventory Safeguards
Ensure your kitchen and food storage equipment is covered, protecting your business from costly breakdowns and inventory spoilage.
Wide Range Of Coverage
Whether you run a restaurant, café, or brewery, our insurance options ensure your business is fully protected. From safeguarding your property to covering liquor-related risks, we offer tailored solutions designed to keep your operations running smoothly, no matter what comes your way.
Property Insurance
Protects your restaurant or venue from damage caused by fires, storms, theft, and other unexpected events, ensuring your building and contents are secure.
Equipment Breakdown
Covers the cost to repair or replace key equipment like ovens, refrigeration, and kitchen tools if they break down unexpectedly, helping you avoid downtime.
Liquor Liability
Protects your business from claims related to alcohol service, including intoxication-related accidents or incidents involving patrons.
Business Interruption
Reimburses lost income if a covered event forces you to close temporarily, so you can meet expenses while your business is recovering."
Food Spoilage
Covers the cost of spoiled food due to equipment failure, power outages, or other insured events, preventing a financial hit to your inventory.
Workers Compensation
Provides wage replacement and medical benefits to employees who are injured on the job, keeping your business compliant and your workers protected.
General Liability
Provides protection against claims of bodily injury, property damage, or personal injury arising from your business operations. This essential coverage helps cover legal fees, medical costs, and settlements, ensuring your business is safeguarded from common risks faced by food and beverage establishments.
Product Recall
Protects your business from the financial impact of recalling defective or contaminated products from the market. This coverage helps cover the costs associated with notifying customers, shipping recalled products, and disposing of unsafe items, ensuring your brand and reputation stay intact.
Commercial Umbrella
Offers additional coverage when claims exceed the limits of your general liability, liquor liability, or product recall insurance. This extra protection helps safeguard your business from major claims that could otherwise exhaust your primary insurance policies.
Meet Our Food and Beverage Insurance Team
Misty Livermore, CAWC
Account Manager
Tracy Clothier
Account Manager
Always a pleasure dealing with Tracy. She keeps us abreast of everything, any changes, updates, you name it. She always makes us feel like we're her only customer. We're blessed to have her as our insurance agent.
Proud to Represent
The Latest in Insurance Tips and Tricks
Before purchasing insurance for your business, there are several factors you should consider. Feeling overwhelmed? We’ve got you covered. Get the essential information in our insurance blog.
Why Working With Multiple Insurance Agents for Quotes Isn’t Helping Your Cannabis Businesses
In the complex and rapidly evolving world of cannabis business insurance, it might seem logical to work with multiple insurance agents to get the best coverage at the lowest price. After all, more quotes mean more options, right? However, this approach often backfires for cannabis businesses, leading to suboptimal coverage,
Solving Insurance Challenges for Cannabis Grower with Non-LED Lighting
Client: Indoor/Outdoor Grower and Processor What: Cannabis Insurance Marketing Challenges: Securing Property Insurance coverage due to non-LED lighting Solutions: Implement risk mitigation strategies including light maintenance Results: Negotiated with underwriters to successfully secure competitively priced property insurance that reduced costs and improve risk management Objectives:A vertically integrated grower and processor
Brian Bartosh on AI: Enhancing Client Communication Without Losing the Personal Touch
At Spire Insurance Solutions, we’re always looking for ways to improve efficiency while maintaining our commitment to personalized service. Recently, our president, Brian Bartosh, shared how artificial intelligence (AI) has become a game-changer across our agencies. In his latest article, Brian explains how integrating AI-backed automation has reduced routine tasks
