Restaurant, Bar & Tavern Insurance
Because "Order Up!" Shouldn't Be Followed by "Lawsuit Pending."
Running a kitchen in the Pacific Northwest is a delicate dance between fire, knives, and hungry crowds. It’s a high-stakes environment where one grease fire in the hood, one power outage during a Friday rush, or one over-served "lone wolf" can turn your dream project into a legal nightmare.
At Hood Insurance Agency, we know the hospitality industry never sleeps, and neither does your risk. We don't just sell policies; we defend the local spots that keep Lynnwood, Edmonds, and Snohomish County fed and hydrated. If your current agent thinks a "standard business policy" is enough for a tavern, they’re barking up the wrong tree.
The Ingredients of a "Bulletproof" Hospitality Policy
Most agents sell you a garnish and call it a meal. In hospitality, the "General" part of liability rarely covers what actually happens at 1:00 AM. We provide the meat:
1. Liquor Liability: The "Dram Shop" Defense
Washington is a "Dram Shop" state, which is a fancy way of saying if a patron leaves your bar and causes trouble, the law looks at you. Specialized Liquor Liability is your primary shield against claims of over-serving. We help you stay compliant while the taps are flowing, ensuring your defense costs are covered even if the claim is as thin as a watered-down rail drink.
2. Food Spoilage & Equipment Breakdown
A PNW windstorm shouldn't mean $10,000 worth of Wagyu ends up in the dumpster. We ensure your policy covers Power Outage Spoilage and Equipment Breakdown. This isn't just about the food; it's about the lost income while your walk-ins are being repaired and your kitchen is dark. Because a silent kitchen is a hungry wolf’s nightmare.
3. Assault & Battery: For When the Pack Gets Rowdy
It’s the 1:00 AM reality: sometimes the "Wolf Pack" gets a little too boisterous. Many insurance carriers sneakily exclude "assault and battery" from their forms. We hunt those exclusions down and kill them. We advocate for policies that actually protect you when a scuffle breaks out, so a late-night misunderstanding doesn't lead to a total business loss.
4. Employment Practices Liability (EPLI)
Restaurants are high-turnover dens. From allegations of wrongful termination to "he-said-she-said" harassment claims, EPLI is your HR shield. In today’s legal climate, a disgruntled ex-employee can be more dangerous to your bottom line than a kitchen fire.
The "Washington Hole": Stop-Gap Coverage
Kitchens are hot, slippery, and full of things that want to bite you. While the state L&I system handles the medical bills for a burnt line cook, it leaves you wide open to a lawsuit for "employer negligence."
Stop-Gap coverage is the Alpha of your policy. It plugs the hole in Washington’s monopolistic system, providing the legal defense and settlement funds you need if an employee injury turns into a pack-on-pack legal battle.
The "Wolf Pack" Advantage for Hospitality
The biggest headache for restaurant owners? The Yearly Premium Audit. If your agent didn't set up your "Liquor vs. Food" sales ratios correctly, you’ll get hit with a massive bill at the end of the year that’ll make your fur stand on end.
We Audit Your Ratios: We classify you correctly on Day 1 to avoid the "Audit Hangover."
We Review Your Lease: Landlord asking for specific "Fire Legal Liability" limits? We read the fine print so you can get back to the menu.
We Move at 1,200 CFM: Need a Certificate of Insurance for a food festival or a new vendor by tomorrow morning? The Pack is already on it.
From Fine Dining to Local Dives
Whether you’re a "Mow, Blow, and Go" burger joint or a high-end PNW bistro, we have the specialized appetite for your risk:
Full-Service Restaurants & Cafes
Taverns, Bars & Craft Breweries
Night Clubs
Coffee Hubs & Late-Night Dens
Food Trucks (Liability on the Move)
In Business, You Shouldn’t Be a Lone Wolf.
Why Lynnwood Leaders Join Our Pack:
Most insurance agencies are just "middlemen" for paperwork. At Hood Insurance Agency, we are your tactical partners in risk. We don't just "sell" policies; we hunt down the gaps that leave your livelihood exposed.
The Power of the Pack: We have access to the top commercial carriers in the country, but we live right here in Snohomish County. You get national-scale protection with a local handshake.
Vigilance, Not Just Coverage: We don't wait for the claim to find the problem. We proactively audit your certificates, your leases, and your classifications to ensure you’re never the "easy prey" for a lawsuit.
Rapid Response: In your industry, time is money. Whether it’s a Certificate of Insurance for a new landlord or a claim that needs immediate eyes, the Pack moves faster than the competition.
Ready to see what real protection feels like? Don't wait for a "storm" to find out your den is drafty. Let's run a Pack Audit on your current business coverage today.
[Request a Consultation] or [(425) 689-5855] "The Pack Has Your Back."