Restaurant Insurance

Restaurant Commercial Insurance for Harford County BusinessesNo Fear Food Service

Food service has enough challenges.  Focusing on quality, staffing,  service, marketing, reviews, and safety should be top of mind. Restaurant insurance gives you peace of mind to focus on the important things, while protecting you from risk.

Whether you have a coffee shop, bar, café, cafeteria, diner, deli, fast food franchise, or restaurant, you should be protected from loss from equipment failure causing food spoilage, employee or customer injuries, fire and water damage, and more.

Restaurant insurance plans should cover multiple risk factors, and should include:


  • A Business Owners Policy (BOP) protects you from business-related risks with general liability property insurance, coverage for loss of income, protection against lawsuits and medical liabilities resulting from someone getting hurt on your property.
  • Workers’ Compensation Insurance is essential to protect your business from medical costs and help cover lost wages for employees who become ill or are injured on the job.
  • Business Crime Insurance protects you from risk from employee theft, robbery, counterfeiting and forgery.
  • You may also need Commercial Vehicle Insurance.

See why our Harford County insurance team is your best choice for helping you choose your food service business insurance  by learning more about us here.

If you plan to serve alcohol see our liquor liability page


"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"

Linda Chern Zvitkovitz

"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"

—Ashley O'Connor

"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"

—Laura Hoffman

"Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"Been with Rick for many, many years, and have always been well taken care of, both for my business accounts, and personal. And without Lucy's help, I'm sure my head would have exploded by now."

—Andrew Merz

"I recently moved our home & auto insurance to Gentry & Assoc. I have worked with both Amanda and Courtney. They both have been a great help with the translation and are always quick to reply to my email requests. If you’re looking to shop your insurance, give them a shot!"

—Kim Maisel

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Amanda , Has always been a very great!!! agent with Gerety Insurance. Thank you Amanda for working very hard to help me stay Insured & Communication and making sure I get the right information . I wish everybody with Nation Wide a happy holiday & Thank you for what y’all do for us."

—Michael Giles

"As a customer of Gerety Insurance for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger