Industry
Restaurant insurance in Washington
From coffee shops to full-service — coverage that reflects how restaurants actually operate.
Standard restaurant stack
- BOP (GL + property + BI)
- Liquor liability if serving alcohol
- Workers' comp through L&I
- Employment Practices Liability (EPLI)
- Commercial auto if you deliver
- Cyber liability for POS breach
- Umbrella $1M–$5M
Watch-outs specific to WA restaurants
Ansul system inspections
Annual service tags required or carrier may non-renew.
Assault & battery
Bars and late-night venues often need A&B endorsement.
Food-borne illness
Products/completed operations covers it — verify aggregate limits.
Tenant improvements
Underinsured build-outs cost real money at claim time.
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