Employees. Customers. Kitchens. Equipment. Food. Alcohol. Deliveries. Vendors. Property. And plenty of things that can go wrong on a busy day.
Patty understands that better than most.
Before working in insurance, she spent more than 20 years in restaurant ownership and management. She knows what it takes to run a restaurant, what owners deal with every day and how quickly one problem can become a costly one.
That experience gives her a different perspective when it comes to helping restaurant owners with insurance.
She is not just looking at a policy.
She is looking at your business.
No two restaurants are exactly alike.
A breakfast café has different risks than a waterfront bar. A pizza shop with delivery drivers is different from a fine dining restaurant. And a restaurant with live music, catering, outdoor seating or a full liquor license may have needs that another restaurant simply does not.
That is why we start by learning how your business actually works.
Depending on the operation, coverage may include:
Not every restaurant needs every type of coverage.
The goal is to make sure your insurance makes sense for your operation.
Restaurants and bars that serve beer, wine or liquor can have additional liability exposure.
Hours of operation, the percentage of revenue that comes from alcohol, entertainment, dancing, security and employee training can all affect available coverage and pricing.
We can help you look at those risks and determine what coverage may be appropriate for your business.
Restaurant employees face a different set of workplace risks than many other businesses.
Servers, bartenders, kitchen staff, managers and delivery drivers can be exposed to slips, falls, burns, cuts, lifting injuries and other accidents that happen in a working restaurant.
We can help review your workers’ compensation coverage, payroll and employee classifications as part of your overall insurance program.
You do not have to be opening a new restaurant to get a quote.
Maybe your renewal is coming up.
Maybe your premiums have gone up.
Maybe you have added employees, equipment, alcohol service, delivery, catering or another location.
Or maybe you simply have not looked closely at your coverage in a while.
If you already have insurance, send Patty your current policy information and let her review it.
Sometimes the easiest place to start is with your current declarations pages.
American West Insurance works with restaurant owners throughout Florida, with a strong focus on Southwest Florida, the Gulf Coast, Central Florida and South Florida.
That includes communities such as Fort Myers, Cape Coral, Naples, Bonita Springs, Punta Gorda, Port Charlotte, Sarasota, Bradenton, Tampa, Lakeland, Orlando, Melbourne, Vero Beach, Port St. Lucie, West Palm Beach, Fort Lauderdale and Miami.
Restaurants outside Florida are welcome to reach out as well. American West is happy to determine what options may be available for businesses in other parts of the country.
You do not need to fill out a huge application before talking with us.
To start a restaurant insurance quote, it helps to have:
If you already have insurance, send your current declarations pages if you have them.
Depending on the restaurant, we may also need:
Opening a new place?
Buying an existing restaurant?
Coming up for renewal?
Or just wondering whether you are paying more than you should?
Let Patty take a look.
With more than 20 years of restaurant ownership and management experience, she understands the business from the owner’s side of the table. She also has relationships within the insurance industry that allow her to look at available options and help you find coverage that fits your operation.
Contact American West Insurance today and let Patty run a restaurant insurance quote for you.
American West Insurance is proudly based in Naples, serving homeowners, families, businesses, and individuals throughout Southwest Florida and communities across the state.
LOCAL EXPERTISE
Deep knowledge of Naples and Southwest Florida communities.
STATEWIDE REACH
Serving clients throughout Florida with personal, local service.
HERE FOR YOU
Local guidance. Trusted protection. Wherever you call home in Florida.
No two businesses are alike. That is why American West Insurance takes a personalized approach.
Your home, vehicles, business and future deserve more than a one-size-fits-all policy.
