Protecting Restaurants in Burnsville, Dakota County, Hennepin County, Ramsey County, and Beyond

As a restaurant owner, you serve up culinary delights and memorable experiences to the people of Minnesota. While you focus on delivering excellent food and service, it's crucial to secure your business with comprehensive insurance coverage.

At David Harris Insurance Agency, we specialize in providing tailored small business insurance, commercial insurance, and business insurance solutions for restaurant owners in Burnsville, Dakota County, Hennepin County, Ramsey County, and throughout Minnesota. We're here to protect what matters most to you.

Understanding Your Needs as a Restaurant Owner

Restaurants face unique risks that require specialized insurance coverage:

• Property DamageProtection for your building, kitchen equipment, and furnishings against fire, theft, vandalism, or natural disasters.
• General LiabilityCoverage for third-party claims of bodily injury or property damage occurring on your premises, such as slip-and-fall accidents.
• Food Contamination and SpoilageProtection against losses due to food spoilage from power outages or equipment failure.
• Liquor LiabilityIf you serve alcohol, coverage for liability claims related to alcohol-related incidents.
• Business InterruptionCoverage for lost income and operating expenses if your restaurant must close temporarily due to a covered loss.
• Employee RisksProtection for your employees through workers' compensation insurance.

Our Business Insurance Solutions

We offer comprehensive business insurance policies designed specifically for restaurant owners:

1. General Liability Insurance for Restaurants

Protects your restaurant against third-party claims of bodily injury or property damage arising from your operations.

2. Commercial Property Insurance

Safeguards your restaurant's physical assets, including the building, kitchen equipment, furniture, and inventory.

3. Business Interruption Insurance

Covers lost income and operating expenses if your restaurant is temporarily closed due to a covered event.

4. Workers' Compensation Insurance

Mandatory in Minnesota, providing benefits to employees injured on the job, covering medical expenses and lost wages.

5. Liquor Liability Insurance

Necessary if your restaurant serves alcohol, covering claims related to alcohol-related incidents.

6. Food Contamination Insurance

Covers losses due to food spoilage or contamination, protecting your inventory and reputation.

7. Business Owner’s Policy (BOP)

Combines essential coverages into one convenient package, ideal for comprehensive protection.

Why Restaurant Owners Choose David Harris Insurance Agency

Proper Coverage Tailored to Restaurants

We believe in providing Proper Coverage that's specifically tailored to the risks restaurant owners face. We customize your insurance plan to ensure every aspect of your business is protected.

Prevention, Not Claims

Our philosophy emphasizes Prevention, Not Claims. We work proactively with you to identify potential risks and implement safety measures, helping you maintain a secure dining environment.

Smooth Claim Process

In the event of an incident, we're committed to a Smooth Claim Process. Our dedicated team guides you through every step, ensuring quick resolutions with minimal disruption to your restaurant operations.

Local Expertise in Minnesota

As a local agency based in Burnsville, MN, we understand the needs of restaurants in Dakota County, Hennepin County, Ramsey County, and surrounding areas.

Experience as Fellow Small Business Owners

We're not just insurance agents—we're fellow small business owners in Minnesota. We understand the challenges you face daily and are passionate about supporting your growth and success.

How to Get Started

Protect Your Restaurant in Three Easy Steps

1. Fill Out Our Short Form

Click here to complete our simple online form. We'll gather basic information to understand your insurance needs.

2. Connect with an Agent

One of our experienced agents will reach out promptly to discuss your specific requirements and answer any questions.

3. Receive Your Customized Quote

We'll provide a tailored insurance proposal designed to offer optimal protection for your restaurant.

Ready to safeguard your restaurant in Minnesota?

Call us at (952) 444-9590 or fill out our contact form to get started!

Contact Us

Have questions or ready to discuss your insurance needs?

• Phone: (952) 444-9590
• Email: [email protected]
• Address: 123 Main Street, Burnsville, MN

Office Hours:

• Monday - Friday: 9 AM - 5 PM
• Saturday: By Appointment
• Sunday: Closed

Serving Businesses Across Minnesota

Whether you're based in Burnsville, Dakota County, Hennepin County, Ramsey County, or elsewhere in Minnesota, we're here to help. Our deep roots in the community allow us to provide personalized service and local expertise.