Utica First Insurance Company  |  Email Us  |  800-456-4556

Restaurants & Food Service

The Utica First Restaurant BOP is one of the fastest growing products in our company history!

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We specialize in writing a wide variety of restaurant and food service businesses, from Fast Food/Take out, to Family Style Restaurants, to Coffee Shops and Diners, Food Trucks, and Fine Dining Restaurants. We understand the unique nature of your business and have the expertise to help you insure it.

Coverage Highlights

Business Property Insurance

Helps protect the physical location that your business owns or leases as well as property such as fixtures, equipment, and inventory.

General Liability Insurance

Helps protect your business in the event that bodily injury, property damage, or personal and advertising injury occurs as a result of the business' operations.

Business Income Insurance

Helps replace lost income when you are unable to conduct business due to a covered property loss like a fire.

We insure most types of Restaurants and Food Service Risks including:

  • Take-Out Places
  • Bagel Stores
  • Family Style Restaurants
  • Cafés
  • Delis
  • Franchise Restaurants
  • Pizza Shops
  • Diners
  • Bakeries
  • Fine Dining

Optional Coverages

Appetizer Coverage

Includes over 20 coverages specialized for the food service industry which includes spoilage coverage, backup of sewer and drains, utility interruption, and more, bundled at a discounted price.

Liquor Liability Coverage

Protects against damages you are legally liable for that arise out of a patron who has consumed too much alcohol at your establishment.

Cyber Liability

Do you take credit cards? Have a website? Did you know that 44% of small businesses have reported that their business has been struck by a cyber attack? In addition to our state-of-the-art cyber liability coverages, your policy includes a range of breach response services including: Legal services, Data security & forensics, Customer notification, credit monitoring, and even reputation damage.

Equipment Breakdown Coverage

Your restaurant is full of equipment that can breakdown. Equipment is subject to hazards such as power surges, short circuits, centrifugal force, boiler overheating or cracking, and mechanical breakdown. This coverage can protect your equipment from these hazards and get you back up and running quickly.

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This is not all! Please contact your local independent insurance agent to learn about additional classes and coverages offered by Utica First

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States we serve: CT, FL, MA, MD, NJ, NY, OH, PA, VA


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Unique, cost effective commercial insurance products for small and medium sized businesses.

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