Marchionne Insurance caters to the unique needs of today’s restaurant owners in Somerville MA and throughout Massachusetts with specialized insurance solutions designed for food services, ranging from fine dining establishments, to coffee shops and bars, to catering and quick-service businesses.
As a family-owned and operated business, Marchionne understands the challenges and stressors involved with building a business, as well as how important it is, when you have established yourself, to safeguard your investment.
However, we know that, as a restaurant owner, you rarely have any downtime from the daily demands of running your business. While you’re deciding on menus, managing employees, and serving your customers, how are you supposed to focus on comparing and choosing the right insurance coverages, rates, and critical supplementary endorsements? You need a helping hand with your insurance requirements from an experienced, local agent like Marchionne.
For over 60 years, restaurant owners like you have relied on our business insurance specialists to customize a restaurant program to fit their special needs and risks. Through our partnerships with top local and national insurance carriers, we can address every facet of your restaurant operation with the best insurance options, including:
All food service businesses, whether they are a small café, mom-and-pop diner, upscale bistro, or gourmet restaurant, have one thing in common – risk. As you are well-aware, there are a variety of exposures for restaurants, including food spoilage, mechanical breakdowns, burglary, employee dishonesty, food poisoning, and more.
A businessowners policy (BOP), specifically tailored to your risks as a food service business, may be the most effective and efficient way for you to obtain the insurance coverages you need to protect against a number of potential losses, including many liability situations. This type of policy will cover assets that you may own, including your restaurant equipment, dishes, food and other business property. In addition, this policy will cover restaurant fixtures, alterations, installations or additions that you have put into your space. Your basic policy may also include two coverages that can be vital to your business’ survival if there is a disaster: Business Income and Business Interruption Insurance. Together, these two coverages can help you pay for both ongoing business expenses and extra costs caused by the loss as well as help you make up for lost profits if your business has to close temporarily due to a catastrophe.
While it sounds all-inclusive, a BOP may actually not provide all the insurance coverages that you require to safeguard your specific restaurant business. That’s what your Marchionne advisor is here to help you with; based on your long-term goals and priorities, and the unique needs and requirements of your restaurant, we will identify and secure the right coverages and additional endorsements that you may need, including Liquor Liability, Commercial Auto, and Workers’ Compensation, making sure that you have comprehensive protection with restaurant insurance in Somerville MA now and in the future.
When a customer comes into your restaurant, they are there because they don’t want to be in the kitchen cooking, they don’t want to set the table or serve themselves, and they certainly don’t want to clean up after themselves. You and your employees then go to work ensuring that they can put their feet up and enjoy a relaxing meal. In the same vein, our ultimate goal at Marchionne is to make the insurance process as hands-off, easy, and stress-free for you as possible.
Learn more about restaurant insurance in Somerville MA and request a free quote and consultation from our team of business coverage professionals today!
What sets us apart and has made us the go-to agency for Restaurant Insurance in Somerville MA and the surrounding communities is very similar to the reasons why you have found success in the food service industry. We are very serious about our commitment to customer service, just as your priority is to ensure no diner leaves your establishment unhappy. Our team is also extremely attentive to details, which we know is critical in the restaurant business as well. Finally, we will work hard to find you the fairest restaurant insurance rates from our list of top-rated restaurant insurance partners, much like you strive to provide the best quality menu options at competitive prices to your diners. As you can see, Marchionne really cares about your restaurant business, your employees, and your customers. Our professionals will learn your business inside and out, so that we can adequately assess your risk and provide a strong recommendation on how you can protect yourself from losses. We are confident that we can find you affordable restaurant insurance solutions that meet all your needs, and provide this service to you with the professionalism and personal attention you deserve.
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