The One Move Every Restaurant Owner Should Make
Most restaurant owners either chase quotes every year or ignore their policies for years. Both paths create chaos: missing protections,
audit headaches, and zero long-term strategy. The fix isn’t “another quote.” It’s choosing a partner advisor who designs a coherent
plan across your restaurant and your personal life—then keeps you organized year after year.
The problem with quote-chasing
Quotes don’t equal clarity. Different limits, exclusions, and deductibles make “cheapest” meaningless.
Without a plan, you’ll over-insure small annoyances and under-insure the disasters that can end a business.
What a real partner does (and why it changes everything)
Puts the right companies/programs around each piece (package, comp, auto, personal).
Runs one organized dashboard for all policies, documents, renewals, and COIs.
Simplifies decisions with a clear framework: what matters most, what doesn’t.
Advocates with underwriters, preps audits, and re-shops strategically when timing is right.
Quick win: the partner checklist
Independent? Restaurant specialist? Business + personal under one roof? Annual reviews? Clear explanations (no jargon)?
Direct access to the advisor? If you can’t check most boxes, keep looking.
Your next step
Stop comparing apples to oranges. Build a plan with a partner who protects your restaurant—and your life—with one coherent strategy.
