Skip to content
630-268-1600

Insurance Solutions for Fine Dining Restaurants

In fine dining, every detail matters. The same should be true for your insurance. From wine lists to white linens, your guests expect an elevated experience. You should expect the same from your insurance partner.

Our team specializes in protecting fine dining restaurants with coverage that reflects your standards, safeguards your reputation, and supports the long-term success of your business.

Designed for the Demands of Fine Dining

Your insurance should do more than check boxes. It should anticipate the unique risks that come with delivering exceptional service. Our program is built for restaurants with:

High-touch guest experiences

Fine wines and premium inventory

Custom-built kitchens and front-of-house spaces

Private dining rooms and event services

Elevated staffing and payroll structures

We understand what makes your restaurant different and provide policies that respect those details.

Why Fine Dining Owners Trust Us

✓ Coverage Built Around High Expectations
Your service is seamless. Your coverage should be too.  From protecting rare wine collections to managing liability in valet or private dining situations, our coverage is built to support a refined experience without disruption.

✓ Expertise You Can Count On
You’ll work with restaurant specialists who understand liquor liability, valet risk, and other exposures that come with luxury dining environments.

✓ Proactive Risk Management
We do more than respond to claims. We help prevent them with practical advice, ongoing reviews, and resources tailored to your restaurant’s profile.

✓ Clear, Personal Support
No vague language or frustrating runarounds. Just direct guidance from people who care about your success.

Tailored Protection That Keeps Your Restaurant Running Smoothly

Our tailored insurance programs typically include:

  • General Liability

    Covers third-party injuries, property damage, and legal defense

  • Commercial Property

    Protects your building, equipment, furnishings, and inventory.

  • Business Interruption

    Reimburses lost income and operating expenses after a covered event

  • Equipment Breakdown

  • Umbrella Liability

    Adds extra coverage when primary liability policies reach their limits.

  • Crime Coverage

    Helps protect against theft, fraud, or employee dishonesty

  • Liquor Liability

    Protects against alcohol-related incidents

  • Workers’ Compensation

    Covers medical costs and lost wages for employees injured on the job.

  • Employment Practices Liability (EPLI)

    Covers claims of wrongful termination, discrimination, or harassment.

  • Commercial Auto

    For vehicles that are company owned and used for deliveries, catering, or supply runs.

  • Hired & Non-Owned Auto

    Covers liability if employees use personal or rented vehicles for business purposes, such as deliveries, catering, or supply runs

  • Food Spoilage and Contamination

  • Cyber Liability

    Covers data breaches, ransomware, or stolen payment information.

  • Key Person Life Options

Talk to a Specialist Who Understands Fine Dining

You’ve invested in creating an experience that guests remember. Let’s protect it with coverage that’s just as thoughtful.

  • 240 S. Westmore Meyers Road, Lombard, IL 60148

  • concklin@concklin.com

  • 630-268-1600