A Specialized Insurance Program Built for Virginia Restaurants
Experience Matters in a High-Risk Industry
Restaurants operate in one of the most complex insurance environments in the country. From commercial kitchen fires and slip-and-fall claims to liquor liability and employee injuries, proper insurance structuring is critical.
- Commercial kitchen fire exposure
- Slip-and-fall liability claims
- Liquor liability
- Workers compensation injuries
- Equipment breakdown
- Food spoilage from power interruption
- Cyber risks from payment processing
This isn’t a retail store. It isn’t an office building. That’s why our restaurant program was built specifically for restaurants — not adapted from another industry.
3,500+ Restaurants Insured Across Virginia
Collectively, Sumser Insurance Professionals and Erie Insurance insure over 3,500 restaurants across Virginia.
That scale provides:
- Deep underwriting experience
- Industry-specific rating
- Proven claims handling in restaurant environments
- Consistent coverage structures
- Competitive pricing driven by specialization
This isn’t a one-off appetite. Restaurants are a core focus.
Built with Restaurant Owners in Mind
Sumser Insurance Professionals worked directly with Erie Insurance to develop a comprehensive, industry-leading restaurant product designed specifically for Virginia operators.
One major advantage:
Simplified Rating Based on Square Footage
Rather than unpredictable formulas, many restaurant risks are rated primarily on square footage — creating:
- Greater premium stability
- Transparent pricing
- Fairer rating for well-run operations
Coverage That Goes Beyond “Standard” Policies
Property & Income Protection:
- Building, Business Personal Property
- Equipment Breakdown including TechAdvantage
- Food Contamination – Business Income and Expense Coverage
- Refrigerated Products up to the Business Personal Property limit
- Premises Utility Failure
- Business Income Protection – Actual Loss Sustained
- Ammonia Contamination – Increased Coverage
Internal Risk Protection:
- Employee Dishonesty Coverage
- Cybersecurity Protection
- Employment Practices Liability Coverage
- Data Breach Liability Coverage
Liability Protection
- General Liability
- Liquor Liability (when applicable)
- Umbrella / Excess Liability options
Workers Compensation
- Proper classification for kitchen staff, servers, managers, clerical
- Experience-driven underwriting specific to restaurants
Commercial Auto
- Owned vehicles
- Non-Owned & Hired Auto Liability
- Delivery exposures structured properly
Local Agent. Real Accountability.
You don’t call a call center. You work directly with a local Virginia-based agent who understands restaurant operations, seasonal revenue swings, staffing challenges, and growth strategies. Your relationship stays local. Your carrier strength is national.
Why Restaurant Owners Choose Erie & Sumser Insurance Professionals
- Financially strong, established carrier
- Specialized restaurant underwriting
- Industry-specific built-in coverages
- Competitive square-footage-based pricing
- Local service and claims support
When your margins are tight and your exposures are real, experience and structure matter.
