Bar & Restaurant Insurance


Reliable Bar & Restaurant Insurance

We understand the bar & restaurant business and have become one of the most experienced firms in Michigan. Over the years, we have built relationships with the most specialized insurance companies in the industry, who can cover all of your exposures including delivery, 100% alcohol operations, nightclubs, and concert venues. We have the expertise to help you manage all of your bar and restaurant insurance risks.

Choosing What to Eat
Who needs it

Who is this policy for?

Whether you operate a 5-star fine dining restaurant or fast food operation, you need to protect your business with best Bar & Restaurant Insurance in Michigan. Don’t let a kitchen fire or a slip and fall destroy your business, trust the experts at Allied Insurance Managers.

Female Restaurant Manager With Digital Tablet Giving Team Talk To Waiting Staff
  • Bar Owners
  • Fast Food Restaurants
  • Fine Dining Restaurants
  • Catering Services
  • Coffee Shops & Cafes
  • 100% Liquor Sales

Protect your bar or restaurant from damage to inventory, 3rd part lawsuits, or workplace accidents with a Bar and Restaurant Insurance program from AIM.

High Food Spoilage Insurance Limits

Damage to perishable food inventory can be extremely costly. Power outages or other unforeseen events could cause your food to spoil and cause your business financial harm.

Food Contamination

If a health board shuts down your business after a food-borne illness outbreak, food contamination coverage can help cover your lost profits.

Crime Insurance

Having cash on hand leads to ethical dilemmas for your employee’s and is an appetizing exposure for criminals. Be sure that the theft of funds is covered properly.

Liquor Liability Insurance

Coverage is required by law; but hard to place for some bars & restaurants. We are a reputable insurance agency with access to insurance programs for all types of liquor liability exposures, including operations with no food sales.

Hired & Non-Owned Auto including Delivery and 3rd Party Delivery

Whether you have employee’s running errands, delivery drivers, or third party services, your business has a liability exposure for the vehicles that are operating on the road.

Business Income Extended Period of Restoration

With supply chain issues and labor demands, 12 months of income loss coverage might not be enough to rebuild your business. We can offer 24-months of coverage to allow your business the proper time to rebuild.

Extended Period of Indemnity

Once your restaurant reopens, it will take time to get back to previous operating revenues. We’ll extend the policy to pay for your lost profit up to 24 months.

Workers Compensation

We’re one of the preferred representatives for the Michigan Restaurant & Lodging self-insured workers comp fund. The MRLA Fund returns 48% of premiums to member companies (on average).

Employment Practices Liability Including 3rd Party Coverage

Protect yourself from accusations of discrimination, wrongful termination, harassment and sexual misconduct between your management, employees, and customers.

Key Employee Replacement

In this industry, your recipe is king and what makes your business stand out. Having the proper coverage in place to protect you from the loss of a key employee can be critical to your success.

Other Insurance Offerings

We’re proud to also include coverages for Contamination, Tank Collapse, Tank Leakage, and Product Recall to our long list of restaurant insurance offerings.

Why Us

Why Choose Allied for Your Restaurant Liability Insurance?

It’s simple, actually. We’ve been recognized by The Michigan Restaurant Association as one of the leading organizations within the bar and restaurant industry. Our access to the top insurance companies in Michigan enables us to provide you with broader coverage at the most competitive rates.

Young female bartender pouring cocktails behind a bar counter

Take the first step toward comprehensive coverage by requesting a quote from Allied Insurance Managers today!