Restaurant & Hospitality Insurance

Crystal Insurance Group has been specializing in Insuring the Restaurant/Hospitality Industry since 1984. As Independent Insurance Agents, we do the shopping for our clients and are not beholden to one Company, one Product or One Price. We are contracted with The Hartford, Travelers, Erie Insurance, CNA, and many more, so we are free to quote your Business Insurance policies with the full gamut of Insurance companies we represent.  Because we are experts in the Restaurant/Hospitality field, we can give our customers Special Tailored Insurance packages to fit their unique Industry needs, as well as advise our clients on best practices to help keep Insurance costs down.   Thru the years we have also built-up relationships with our Carriers and underwriters, which allow us to request and apply the highest credits available if the opportunity arises.  

An additional Value-Added service offered by our Agency for our Restaurant & Hospitality clients includes reviewing Lease and Contracts from a risk management perspective to ensure cost containment as well as compliance.  We offer this to Educate our customers on the required Insurance coverages and policies but to also ensure that the insurance program complies with the requirements stipulated in those contracts and your Business is properly protected. 

Further, our Employee Benefits Division can assist you with designing the appropriate employee benefits program that will serve to attract and retain valuable employees. This division can assist your small business by including coverage through major carriers such as CareFirst, UnitedHealthcare, Aetna, Anthem, and Kaiser Permanente along with a section 125 plan to reduce payroll taxes and workers comp expenses while providing your employees with the coverage that they need and expect for Group Health, Dental & Vision.  We can also assist with Group Life, Short- & Long-Term Disability as well as Accidental Death & Dismemberment Policies on a Voluntary or Employer-Sponsored basis with Mass Mutual, Lincoln Financial, and The Hartford Employee Benefits.

Examples of Restaurant/Hospitality businesses we work well with – Restaurants with Casual Dining, Fast Food, Cafeteria Style, Fine Dining, Steakhouse, Table-side Grilling, Bakeries, Donut Shops, BBQ, Lounges, Family-Style, Cafes & Carry-outs, Bars, Lounges, Bed & Breakfasts, Motels, Hotels, Inns, Event Planners, etc.