Your guests come first — we cover the rest.
From kitchen fires to customer injuries, SUREZA protects restaurants, cafés, bars, and hotels from the daily risks that come with serving others.
The problem
One accident can close your doors.
A kitchen fire, a customer slipping, or a bad food delivery can lead to lawsuits, losses, or a damaged reputation.
Most hospitality businesses run on tight margins — and one uncovered incident can erase months of profit.
The solution
SUREZA builds a protection plan designed for your unique rhythm — covering your people, property, food, and customers all in one policy.
We help you compare top-rated carriers and ensure you stay protected from liability, downtime, and unexpected costs — while keeping your peace of mind as full as your tables.
Cyber Liability: Protects your POS systems and customer data from breaches.
Umbrella Coverage: Provides extra financial protection beyond base limits.
Workplace Violence Insurance: Covers expenses if an incident occurs at your location.
Business Interruption: Replaces income if your business closes due to fire, flood, or other damage.
Food Contamination Insurance: Covers losses due to spoiled food or required closures.
Crime Insurance: Covers theft, forgery, or employee fraud.
Directors & Officers (D&O): Protects business owners and managers from financial or legal claims.
Customer & Service Protection
Protect your reputation, guests, and operations.
General Liability: Covers guest injuries, accidents, or property damage on-site.
Liquor Liability: Protects bars or restaurants that serve alcohol from alcohol-related incidents.
Product Liability: Covers foodborne illness or allergic reaction claims.
Employee & Workplace Protection Keep your kitchen and front-of-house team safe and supported.
Workers’ Compensation: Covers injuries, burns, or accidents at work.
Employment Practices Liability (EPLI): Protects against employee claims (harassment, wrongful termination).
Management Liability: Protects restaurant owners or managers from business-related lawsuits.
Property & Operations Protection
Protect your kitchen, building, and income from the unexpected.
Business Owner’s Policy (BOP): Combines property, liability, and business interruption coverage.
Commercial Property: Covers your restaurant or hotel, including kitchen equipment and furnishings.
Equipment Breakdown: Covers refrigeration units, ovens, or dishwashers that stop working.
Transportation & Mobility Coverage
Protection for deliveries and mobile operations.
Commercial Auto Insurance: Covers vehicles used for catering, deliveries, or hotel shuttles.
Financial & Crime Protection
Protect your money, management, and reputation.
Transform your peace of mind
A safe and objective decision.
Why Choose SUREZA
You bring people together through food, service, and experience.
We make sure nothing interrupts that connection.
With SUREZA, you’re covered for every fire, slip, and surprise — so you can focus on what you do best: serving with heart.
What’s the most important insurance for restaurants?
General Liability and Workers’ Compensation are essential — they cover guest and employee injuries.
Does insurance cover spoiled food after a power outage?
Yes — Equipment Breakdown and Food Contamination coverage can help replace or reimburse lost stock.
I run a bar — do I need Liquor Liability?
Absolutely. Most states and landlords require it for businesses serving alcohol.
Can I cover my delivery vehicles under the same plan?
Yes — Commercial Auto or Hired/Non-Owned Auto can be added to your policy.