Restaurant policies

• Get a Free Restaurant Insurance Quote »
• Liquor Liability Insurance »

Learn about

• Why Buy Restaurant Insurance? »
• Two-Step Restaurant Protection Program »
• Restaurant Safety Checklist »

Helpful links

• Balcos Business Brokers »
• American Egg Board »
• American Meat Institute »
• Centers for Disease Control »
• FDA’s Center for Food Safety & Applied Nutrition »
• Food Handler Card (WA) »
• Food Marketing Institute »
• Mandatory Alcohol Server Training (WA) »
• National Cattlemen’s Beef Association »
• Safety with Bacteria & Food »
• TIPS: Alcohol training for Servers »
• Teen Workers Information »
• US Department of Labor »
• US Poultry & Egg Association »
• USDA »

For existing customers

• File a Claim »
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• Update Your Contact Info »
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Balcos Agents Understand Restaurant & Hospitality Insurance

As a trusted Allied Member of the Washington Restaurant Association, we provide bar and restaurant insurance to over a hundred WRA members in Washington.

Our Seattle restaurant insurance agents have served Seattle and all of Washington state for over twenty years.

We have excellent insurance programs that are specialized to protect you from the unique risk exposures in your industry. Our agency, agents and support staff understand your business and are here to help guide you through your insurance coverage decisions.

Insurance Coverages We Offer

• Restaurants - In addition to the standard Business Owner’s Policies and Business Insurance Packages, we also offer you the following coverage options:
  • Property
  • Liability
  • Liquor liability
  • Food-borne illness
  • Utility outage
  • Commercial auto
  • Business income loss
  • Food spoilage
  • Umbrella coverage
  • Flood and Earthquake
  • Employment practices liability insurance
• Bars, Lounges and Nightclubs - For establishments having higher liquor percentages and live entertainment, we offer numerous insurance programs that will properly insure your higher-risk operations. Insurance options include coverage for gaming and dancing in addition to light or full-service food operations.
• Taverns - We offer several special tavern insurance programs. In addition to standard beer and wine licenses, we can also accommodate hard alcohol service and some light entertainment.
• Pizza Parlors - Insuring pizza delivery in an economical way is a challenge insurers are often faced with. We meet the challenge with several programs that cater specifically to your pizza delivery operations.

  Programs are offered for owned vehicle insurance, non-owned delivery driver insurance, or we can use a combination of the two.

  We have the ability to insure small, independent locations or individually owned franchises, and have extensive background in writing the proper insurance for Franchisors and their exposures.

• Caterers - For hospitality businesses on the move, we have caterer insurance programs that provide you with greater flexibility for off-premise operations, including liquor service, in addition to commercial kitchen or commissary coverage.

  We can also package your catering insurance with commercial auto insurance for greater discounts.

• Hotels and Motels - Whether your business is a small family-owned motel, or a large corporate-owned luxury suite hotel, we have a broad range of products needed for this category of hospitality insurance.

  We offer policies based on the number of units or receipt-based policies.

  Not only can we cover your associated restaurant operations, but we can also cover any commercial valet or van service, day spas or full-treatment resorts and other special tour operations related to vacation and business travel.

• Cottage Inns / Bed and Breakfasts - We have created several special insurance programs specifically addressed to the special “hands on” aspect of your business.

  In addition to providing the related restaurant coverage, we will also take care of cabin rentals, bike and kayak rentals, and guest property.

• Wineries - All the way from the vineyards to the tasting room, we can cover the insurance risks inherent to your winery.

  Insider experience in the industry allows us to identify and cover for unique winery exposures that can impair your cash flow and annual harvest activities.

  We can help make sure that your brands and labels, transit and storage, and instances of mechanical breakdown are covered properly.

• Breweries - We cover craft breweries, microbreweries, brewpubs, and their associated restaurants in addition to public tasting events and festivals.

  We can provide the right coverage for your operation whether it is a brewing facility for on-premise consumption or includes distribution in growlers, bottles or kegs.

• Distilleries - For this unique production facility, we can assist you with the initial bonding challenges all the way to distillery insurance for formal operations, storage and distribution.
• Casinos and Gambling Operations - Large amounts of money, expensive security systems, and higher payrolls are all special considerations of a casino or gambling operation.

  We can match you with the right program to cover the larger risks associated with your casino.

• Affiliated Businesses - Vendors of restaurants and hospitality businesses are highly vested in the success of the industry they serve. Thus, we work hand-in-hand with vendors to insure their success.

  Distributors, fire safety and security firms, hood and vent cleaners, and any other businesses that works with the hospitality industry are welcome clients. We understand your needs, and we understand your customers.

  Washington Restaurant Association (WRA)

  If you're not a member already, the Washington Restaurant Association has programs to help restaurateurs succeed. Additionally, our hospitality & restaurant insurance companies tend to look favorably upon membership.

   

  Every person is unique. Talk to us today to find out how to get the best price and value on restaurant & hospitality insurance for you.