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Insurance Built for Independent & Family-Owned Restaurants

You're not just serving meals. You're building a legacy, supporting your community, and putting everything on the line to run a business you believe in. At Concklin Insurance, we understand what’s at stake, and we’re here to protect it.

We work closely with independent and family-owned restaurants to craft tailored insurance solutions that fit your kitchen, your budget, and your future. Whether you own a single neighborhood staple or are growing into a local chain, we’ll help you cover what matters most.

What Makes Our Coverage Different?

Unlike one-size-fits-all policies, our restaurant insurance is designed with your real-world risks in mind:

General Liability and Property Coverage

Equipment Breakdown and Business Interruption

Workers’ Compensation and EPLI

Food Spoilage, Cyber Coverage, and More

We listen first, then build your plan—no jargon, no upselling, just honest expertise.

We Know Independent Restaurants Because We Insure Them Every Day

Family-owned diners, local bistros, neighborhood pubs, we’ve helped restaurants like yours navigate everything from fire damage to employment claims. Our deep experience means fewer surprises and better support when you need it most.

Let’s Talk About Your Restaurant

Insurance should feel like support, not stress. We’ll walk you through your options, explain the fine print in plain language, and help you make smart, confident decisions about your coverage.

✔️ Customized solutions
✔️ No pressure, no sales pitch
✔️ Real support from people who care about small businesses

Restaurant owner with open sign

Coverage That Works as Hard as You Do

Independent and family-owned restaurants face a wide range of risks. Some are easy to see, while others are often overlooked. The right insurance program protects your day-to-day operations and shields you from long-term setbacks.

  • 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.