Markel Specialty insurance for the restaurant industry

Most businesses don’t run risks from hot stoves, sharp knives, heavy loads, and easily disgruntled customers. But your restaurant does.

That’s why you need Markel Specialty’s workers compensation and businessowners insurance for restaurants—coverage for the specific insurance needs of your business such as equipment breakdowns, on the job accidents, and employment practices liability.

Our workers compensation policy can help you protect your business from the costs of an on-the-job accident including lost wages and benefits, medical care, and legal representation. The Markel Specialty businessowners policy, EssentialBOP, is customizable for your business–covering liability, property, and other areas essential to helping you protect your assets. Plus, if you combine our workers compensation and businessowners policies you can  earn up to a 10% multi-policy discount.* Also, by adding Markel Specialty’s commercial umbrella liability insurance policy to you EssentialBOP policy can provide qualified customers additional insurance protection for the costs of covered claims and lawsuits.

Markel Specialty can provide insurance for various kinds eateries including:

  • Casual dining restaurants
  • Ice cream and yogurt shops
  • Cafés
  • Sandwich shops
  • Bakeries

What coverages are available for restaurants and eateries

From the back door to the front of the house, Markel Specialty’s insurance coverages have restaurants in mind.

Some insurance coverages include:

Outdoor signage
Your restaurant signage is important for your business –they attract your customers, and keep your business in the public eye. This coverage can assist you with damage to your outdoor office signs from storms, accidents, vandalism and other covered incidents.

This insurance coverage is provided for the direct physical loss of or damage to perishable stock. This coverage is designed for businesses that process, store, or sell perishable stock (e.g. food, medicine, or flowers). Coverage may be purchased to cover breakdown or contamination or power outage.

Food contamination
Insurance coverage for the costs to clean equipment, replace ruined food, and limited expenses for advertising to restore the insured’s business reputation if a governmental entity closes the business because of  suspected food contamination.

Workers compensation
Covers the costs associated with occupational illnesses and injuries including:

  • Medical expenses
  • Partial wages while the employee recovers
  • Funeral expenses if an employee dies from a work injury
  • Legal expenses if your business is sued over a work injury

By combining our workers compensation and businessowners policies you can earn up to a 10% multi-policy discount.*

Follow the link below to view all of our coverages that are available for processing and services businesses.


value added services icon
Background checks, training materials and education available at negotiated rates.
PayGo Payroll reporting is the billing plan of choice for workers compensation policyholders.

Your recipe for success should include insurance from Markel Specialty.
Contact one of our appointed Markel Specialty agents and start a quote today!