Private Clubs
Fine Dining
Fast Food
Convenience Stores
Package Liquor Stores
Banquet Facilities
Fraternal Organizations

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Have Multiple Restaurant Insurance Companies Compete for Your Business!

We know the restaurant insurance marketplace and work with multiple companies with appetites for restaurants to give you the most competitive coverage available.  Just as each restaurant is different, every insurance company has their unique underwriting.  Some have strict guidelines in order to maintain the best pricing while others are more open to alternative types of risks that some restaurants present.  You can have the best of both worlds. REQUEST A FREE QUOTE

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Much Can Go Wrong in your Restaurant Due to the Nature of the Business

Fire, Slip and Falls, Equipment Breakdown, Food Spoilage, Employee Theft

  • Claims cost you more than money.  They cost time and grief.
  • How long will it take to get back in business?
  • Who pays your employees, the electric bill, phone water, sewer?
  • Do you have coverage?
  • Are you covered correctly?

If set up properly by your agent, your insurance company helps with all of these. You don't have to close the doors for good.
You can have peace of mind.

General Liability
Defends you from covered lawsuits such as
bodily injury and property injury you cause.

Property Coverage
Physical damage covereage for your
buildings; tenants, improvements and
business personal property.

Workers Compensation
When employees have accidents such as slip
& falls, cuts, burns, and other injuries, workers
comp pays for medical bills and time off
while protecting you at the same time.

Not just for your Mai Tai. This covers you
when your underlying liability limits run out,
to further protect your restaurant business.

Naught-Naught Agency works with multiple companies that specialize in covering restaurant exposures. We offer insurance protection designed specifically for the hospitality industry that gives you dozens of options to wet your appetite.


Business Income
Employee Dishonesty
Medical Payments Coverage
Money & Securities
Disparagment of Reputation
Hired and Non-Owned Auto
Ordinance & Law

Food Contamination
Equipment Breakdown
Employee Theft
Forgery or Alteration
Backup of Sewer
Valuable Papers & Records
Credit Card Forgery

New Operations:
Acceptable with Experience
Coverage Review
Power Interruption
Key Employee Life Insurance
Delivery Coverage Catering
Free Building Valuation
Employee Benefits
EFT Available

Liquor Liability
Assault & Battery Coverage

(Many policies exclude this)
Server Training

Happy Hour
We cover you 24/7, so when the unforseen happens you have peace of mind!

Protect the future of your restaurant.

Not all restaurants are the same.  Each have their own unique set of risks.

Get a Risk Assessment with a restaurant insurance specialist.
  • Create a Risk Management and Safety Program.
  • Get the most comprehensive coverage for your specific needs, at the best price

Let us help you with all of these! Your restaurant is more than just a business, its your life.  It's an investment for your family's future. Count on the security your business needs. If you want to protect your restaurant from unforeseen risk and save money on your restaurant insurance, then call us today!


Missouri Restaurant Association

Naught-Naught Agency works with the Missouri Restaurant Association to provide coverage for your food and beverage business needs. The Missouri Restaurant Association is dedicated to serving the needs of the foodservice and hospitality industry, enhancing and improving its growth and development, assisting and educating its members in operating more effectively, improving the political, and social environment in which the industry conducts business, for the benefit of its members, patrons, employees, and the well-being of the community.





Restaurant Insurance Blog