Georgia Restaurant Insurance

Running a restaurant in Georgia comes with exciting opportunities—and unique risks. Whether you operate a cozy café in Savannah, a busy barbecue restaurant in Atlanta, or a family-owned diner in Macon, having the right insurance protection is essential. At Tatum Insurance Agency, we provide tailored Georgia restaurant insurance solutions to help you safeguard your property, staff, and customers.

Why Restaurant Insurance Matters in Georgia

Restaurants face daily exposures such as kitchen fires, customer injuries, foodborne illness claims, equipment breakdowns, and employee accidents. Add Georgia’s weather risks—including severe storms and occasional flooding—and the need for a strong insurance plan becomes even more important.

The right coverage helps protect your investment and ensures your restaurant can continue operating, even when the unexpected occurs.

Key Insurance Coverages for Georgia Restaurants

General Liability Insurance

General liability is essential for any restaurant. It protects you from claims involving:

  • Customer slips and falls

  • Injuries on your premises

  • Damage to others’ property

  • Personal or advertising injury claims

For many Georgia restaurants, this is the foundation of a strong insurance plan.

Commercial Property Insurance

Restaurants rely on buildings, furnishings, inventory, and equipment. Property insurance protects against losses caused by fire, theft, vandalism, windstorms, and more. It can cover:

  • The building (if owned)

  • Kitchen equipment

  • Refrigeration units

  • Furniture and décor

  • Food inventory

Given the risk of kitchen fires, property insurance is one of the most important coverages for restaurant owners.

Business Interruption Insurance

If a covered event forces your restaurant to temporarily close, business interruption coverage can help replace lost income and pay ongoing expenses such as:

  • Employee payroll

  • Rent or mortgage payments

  • Utility bills

This coverage is crucial for recovering quickly and maintaining financial stability.

Workers’ Compensation Insurance

Georgia law requires most employers to carry workers’ compensation insurance. In a restaurant environment, employees are more likely to experience:

  • Burns

  • Cuts

  • Slips and falls

  • Lifting injuries

Workers’ compensation helps cover medical expenses, rehabilitation, and lost wages for injured staff.

Commercial Auto Insurance

If your restaurant offers catering, food delivery, or uses vehicles for business operations, commercial auto insurance protects against accidents, property damage, and liability on the road.

Liquor Liability Insurance

If your restaurant serves beer, wine, or cocktails, Georgia’s dram shop laws make you responsible for alcohol-related incidents. Liquor liability insurance helps protect your business from claims related to:

  • Accidents caused by intoxicated patrons

  • Altercations involving overserved customers

This coverage is vital for restaurants with bar service.

Equipment Breakdown Insurance

Commercial kitchens rely heavily on specialized equipment. Equipment breakdown coverage helps pay for repairs or replacement of:

  • Refrigeration units

  • Freezers

  • HVAC systems

  • Ovens, grills, fryers, and ranges

It can also cover food spoilage caused by equipment failure.

Food Contamination & Spoilage Coverage

If your restaurant experiences a power outage, equipment malfunction, or contamination event, this coverage helps pay for:

  • Replacing spoiled food

  • Cleaning

  • Loss of income during shutdown

Given how valuable inventory is, this protection is essential.

Get a Georgia Restaurant Insurance Quote Today

Protect your restaurant, your employees, and your hard-earned investment with a customized insurance plan. Contact Tatum Insurance Agency today for a Georgia restaurant insurance QUOTE and discover how simple it can be to secure the right coverage.