Utica First Insurance Company

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Utica First’s Restaurant Business Owner Policy, the First Item on the Menu to Protect Restaurant Owners and Their Livelihood

Restaurant owners make sizeable financial investments, along with investments in time and effort, to create and build successful businesses. A major task in this effort is to decide upon a menu. The first and most important item on the menu should be a Utica First Restaurant Business Owner Policy (BOP). Without this protection, the business, its contents, and staff are all at risk for the what-ifs in life.

Utica First has been the “go to” insurance company for restaurants and other food service businesses for over 15 years. We pride ourselves on this distinction as a result of our:

  • Fast, easy quoting
  • Clear, concise underwriting guidelines
  • Great pricing with easy billing options

We are also proud that no one writes more types of restaurants than us, some of which include:

  • Mexican Take-Out
  • Family-Style Restaurants
  • Franchised Restaurants
  • Bagel Stores
  • Pizza Shops
  • Bakeries
  • Chinese, Japanese, Korean, Thai, and Vietnamese Restaurants or Take-Out
  • Diners
  • Food Trucks
  • Cafés
  • Burger Joints
  • Middle Eastern Cuisine Establishments
  • Fine Dining Restaurants
  • What else have you got?
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What’s Covered

Our Restaurant BOPs provide protection for general liability (bodily injury, property damage), property (physical location, fixture, equipment, inventory), and business income (lost income due to disruptions in operations). For added protection, we offer an array of optional coverages that include equipment breakdown, liquor liability, and cyber liability.

New ventures considered! Risks must be “year-round,” meet all requirements for hoods, duct, and fire suppression systems (contracts for servicing and cleaning must be in place), and have liquor sales under 40 percent of sales.

Customizable Coverage

Coverage is customizable with Utica First’s optional APPETIZER (1 & 2) endorsements! They bundle over 15 additional coverages and limits with substantial savings.

Does the restaurant own a food truck? Utica First’s Food Truck BOP can handle the property and casualty exposures for that, too!

Make sure your staff quotes Utica First on all qualifying restaurant prospects!

Click here to learn more about our Restaurant BOPs at

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

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