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Hanover Restaurant Advantage

Specialized insurance solutions for restaurants

Restaurants face many risks, including equipment malfunctions, employee theft, liquor liability, loss of food due to power outage, and more. Our specialized Hanover Restaurants Advantage solution offers top-rated coverage designed for restaurants very competitive rates.

More value for restaurants

Our underwriting, claims, and risk management professionals have many years of experience in providing service for restaurants. We offer comprehensive solutions that are cost-effective and convenient. Beyond the core policy in our Hanover Restaurant Advantage program, we offer expanded options, including Spoilage and Contamination Coverage, Liquor Liability, Equipment Breakdown and more. We can help tailor your policy to meet your needs, and even offer convenient, automated premium payments to fit your budget.

End-to-end solutions for restaurants

We offer restaurants many products to help protect their property, autos, employees, and patrons:

  • Commercial Package Policy
  • Commercial Property
  • Commercial General Liability
  • Commercial Auto
  • Workers’ Compensation
  • Commercial Follow Form Excess and Umbrella

Specialized coverages and endorsements for restaurants include:

  • Equipment Breakdown Coverage
  • Liquor Liability Coverage (state-specific)
  • Seasonal Increase Business Personal Property Coverage
  • Employee Theft including ERISA Coverage
  • Hospitality Human Services Errors & Omissions Coverage
  • Outdoor Property Coverage (including signs)
  • Spoilage and Contamination Coverage
  • Emergency Event Management Coverage

In addition, we offer specialized products that offer restaurants enhanced protection: