Commercial Insurance
Restaurants & Bars insurance.
Insurance built for WNY restaurants, bars, and the people who run them.
Who we cover
Running a restaurant or bar in Western New York is a tough, hands-on business, and you already have enough on your plate between staffing, food costs, and a long winter that empties patios and quiets foot traffic. From a Buffalo wing joint or a Southtowns tavern to a food truck working summer festivals or a caterer booking weddings, the work carries real risk: hot kitchens, slippery floors, liquor service, and a building that has to survive lake-effect snow and burst pipes. We have insured local businesses since 1952, and we will sit down with you to build coverage that fits how your place actually operates.
Risks we see in WNY
- Kitchen fires from fryers, grease, and open flame
- Slip-and-fall injuries on wet or icy floors and entryways
- Liquor liability when an intoxicated patron causes harm
- Foodborne illness and contamination claims
- Spoiled inventory and lost income after a freezer or power failure
- Winter property damage from frozen pipes and roof snow load
Coverage that fits
What restaurants & bars typically need.
A starting point, not a checklist. We tailor the right mix to your actual operation.
General Liability
Covers third-party injuries like a customer slipping on a wet floor, plus property damage claims tied to your operation.
Commercial Property
Protects your building, kitchen equipment, furnishings, and inventory from fire, theft, and weather damage.
Liquor Liability
Protects bars, taverns, and restaurants that serve alcohol if an intoxicated patron later causes injury or damage.
Business Income (Business Interruption)
Replaces lost revenue and helps cover ongoing bills if a fire or other covered loss forces you to close temporarily.
Workers' Compensation
Required in New York and covers medical costs and lost wages when a cook, server, or bartender is hurt on the job.
Commercial Auto
Covers vehicles used for delivery, catering runs, and food trucks, including liability and physical damage on the road.
The Willoughby difference
One agent. Many markets. Your side of the table.
As an independent agency, we shop your restaurant or bar across many carriers, including a new appointment with The Hartford, Hanover, and others, so you are not stuck with one company's price or appetite. We are local, family-owned, and have served Western New York business owners since 1952.
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and more through our agency network.