Restaurant Insurance

LKS has a division that is devoted to the Hospitality Industry: City and Suburban Lifestyles Restaurant Insurance Market ("Lifestyles") We work directly with our clients to provide a tailor-made program to fit their specific needs. Today's restaurant environment is more complex than ever, and you should have the confidence that the business you've built is covered by a company that understands your business.

At LKS we know that every restaurant is different, and it takes more than an insurance policy to properly protect your business. We pride ourselves on the relationships that we've built over the years and we will work with you to ensure that in the case of a loss or claim, your business can continue for years to come. Our staff of professionals remain in touch with you throughout the year to ensure that you have adequate coverage in place. We share a mutual goal - to ensure the success of your business, and make sure that you have the proper coverage in place.

Turn to experts in the marketplace, let us provide you with options. Since we fully understand the hospitality industry, we can provide risk management solutions, loss control, and competitive pricing for a wide range of restaurant venues and all related food service industries.

We uphold a high standard for handling claims promptly and fairly, and we respond to all changes in the marketplace. Our policies include, but are not limited to:

Commercial Package Policy

• General Liability
• Property coverage: Replacement Cost Valuation - No Co-Insurance
• Business Income - Actual Loss Sustained
• Liquor Liability ( No Limitation for liquor sales for high end restaurants)
• Comprehensive wine coverage available for expensive wine collections with options to insure: Selling Price, Stated Value or Replacement Cost
• Cyber Liability coverage
• Hired/Non-Owned Automobile Liability & Valet Parking Liability

Umbrella Liability

High limits including Liquor Liability

Workers' Compensation

Statutory coverage by state
Various Safety Groups Available

Employment Practices Liability Insurance

Wrongful demotion or termination
Wage and Hour
Discrimination
Harassment

Group Benefits

Medical
Life
Disability
Long term care
...and more

Click here to GET A QUOTE ...
To learn more about the policies and services we provide - visit us at www.LifestylesRestaurant.com or email us at info@LifeStylesRestaurant.com