Massachusetts and Rhode Island Restaurant Insurance

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As the owner of a restaurant or bar, you know that it takes many ingredients to run a successful business. Owning a business in the hospitality industry comes with many unique exposures that you need to prepare for. Working with a team of experts like Lapointe Insurance is a recipe for risk management success.

Hot ovens, stoves, and grills. Sharp utensils. Foodborne illnesses. A constant flow of customers in and out of your premises. Restaurant owners are faced with a number of risk factors that need to be addressed. And that’s not even mentioning the typical concerns most small businesses must prepare for such as property damage to your premises or loss of important customer, vendor, or employee records and files. Learn about the small business insurance coverages restaurant owners in Massachusetts and Rhode Island like you typically need, and most often purchase, from Lapointe Insurance.

Whether you run a small kitchen or a large restaurant and banquet facility, you could be held liable for anything from a patron getting sick from spoiled food to burns from spilled coffee.

Restaurant & Bar Insurance is needed for any of the following:

  • Fine Dining
  • Casual Dining
  • Fast Food
  • Ethnic Cuisine
  • Delicatessen
  • Coffee Shop
  • Micro Brewery

To get you the best MA or RI restaurant insurance at the right price, the Lapointe Insurance experts take the time to learn about you, your business, your people, and your specific risks and exposures. We then create the best restaurant insurance program possible, choosing from over a dozen top-rated companies

Coverages we look at include:

  • Property, to protect your leased or owned buildings, employees property, property in storage and more.
  • Liability, to address the cost of property damage, bodily injury, or medical payments on your premises or from the products you serve.
  • Automobile to cover your vehicles, and and damage that may be caused by your business’ operation of a vehicle.
  • Food spoilage, which covers loss of perishables caused by mechanical breakdowns that lead to changes in temperature or humidity. As well as contamination by refrigerants and power outages.
  • Food contamination, to offset the cost of equipment cleaning, loss of income, food replacement, medical expenses and even advertising to restore the company’s image after a contamination-related closing.
  • Workers comp, to cover any workplace related injuries, medical expenses, rehab, lost income, death benefits and more.
  • Business income, which will pay salaries, rent, and some other expenses that you still incur when the operation is closed due to a covered loss.
  • Equipment breakdown, to cover damage to any equipment like stoves, ovens, refrigerators, freezers, air conditioners, audio systems, cash registers, etc.
  • Liquor liability, to pay attorney fees, settlements, judgments, damages, and other fees that result from a covered alcohol-related incident.
  • Others protections include cyber liability, employment practices liability, umbrella liability, employee dishonesty, life insurance, and more.

Let us take care of your risk management needs so you can focus on growing your restaurant or bar business. We want you to be able to put everything you have into the success of your business. Give us a call, stop by our offices, or complete the free quote form to get started.

I highly recommend this agency.

Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.
Lapointe Insurance
5.0
2017-09-20T19:16:55+00:00
Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.

Excellent rates and customer service

I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.
Lapointe Insurance
5.0
2017-09-20T19:39:25+00:00
I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.

I am so glad we decided to call Lapointe!

We ran into an issue with our previous homeowner's policy coverage, and Linda Pratt from Lapointe was able to quote us for a new policy with comparable coverage, and we had a new homeowner's policy within a couple of days. Linda was thorough, helpful, efficient and friendly. She followed-up to make sure all of our questions were answered and our issue resolved. I am so glad we decided to call Lapointe! Thanks for all your great help, Linda!
Lapointe Insurance
5.0
2017-10-24T11:48:34+00:00
We ran into an issue with our previous homeowner's policy coverage, and Linda Pratt from Lapointe was able to quote us for a new policy with comparable coverage, and we had a new homeowner's policy within a couple of days. Linda was thorough, helpful, efficient and friendly. She followed-up to make sure all of our questions were answered and our issue resolved. I am so glad we decided to call Lapointe! Thanks for all your great help, Linda!

Exceptional service!

Exceptional service! The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.
Lapointe Insurance
5.0
2017-09-20T19:15:13+00:00
The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.

Linda Pratt has been wonderful.

Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.
Lapointe Insurance
5.0
2017-09-20T19:07:17+00:00
Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.

WOW! Thank you Isabel Carreiro!

WOW!!! Thank you Isabel Carreiro!!

The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!
Lapointe Insurance
5.0
2017-09-20T19:40:51+00:00
WOW!!! Thank you Isabel Carreiro!! The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!

Julie is always very polite and helpful

Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.
Lapointe Insurance
5.0
2017-09-20T19:39:54+00:00
Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.

A pleasure to do business with the office every time!

I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!
Lapointe Insurance
5.0
2017-09-20T19:37:36+00:00
I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!

She went up and beyond to provide excellent customer service

Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!
Lapointe Insurance
5.0
2017-09-20T19:18:43+00:00
Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!

I have always received excellent service.

Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.
Lapointe Insurance
5.0
2017-09-20T19:22:37+00:00
Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.

Lapointe Insurance reassures me in their excellent work

Lapointe Insurance reassures me in their excellent work
Lapointe Insurance
5.0
2017-10-24T11:51:50+00:00
Lapointe Insurance reassures me in their excellent work

Highly recommend.

Excellent service. They always look to find the best coverage for their clients. Highly recommend.
Lapointe Insurance
5.0
2017-09-20T19:41:50+00:00
Excellent service. They always look to find the best coverage for their clients. Highly recommend.

I think she deserves a raise!

My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!
Lapointe Insurance
5.0
2017-09-20T19:41:16+00:00
My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!

The BEST

Donna is most helpful, the BEST
Lapointe Insurance
5.0
2017-09-20T19:36:02+00:00
Donna is most helpful, the BEST

Best decision I ever made!

Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.
Lapointe Insurance
5.0
2017-09-20T19:20:32+00:00
Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.

Nellie and team are absolutely wonderful!

Always willing to go above and beyond with assisting their customers needs. Nellie and team are absolutely wonderful!
Lapointe Insurance
5.0
2017-10-24T11:45:40+00:00
Always willing to go above and beyond with assisting their customers needs. Nellie and team are absolutely wonderful!

Friendly, knowledgeable, prompt.

Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.
Lapointe Insurance
5.0
2017-09-20T19:36:31+00:00
Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.

Well done!

Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!
Lapointe Insurance
5.0
2017-09-20T19:38:56+00:00
Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!

Saved me $$$ too

Awesome job friendly and professional oh and saved me $$$ too.
Lapointe Insurance
5.0
2017-10-24T11:50:16+00:00
Awesome job friendly and professional oh and saved me $$$ too.

Knowledgeable, helpful & caring

Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.
Lapointe Insurance
5.0
2017-09-20T19:37:55+00:00
Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.

I cannot recommend them more highly.

We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.
Lapointe Insurance
5.0
2017-09-20T19:38:31+00:00
We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.

All aspects of our experience has been 1st Class

Have been a customer for going on 3 years and could not ask for better more professional service.
All aspects of our experience has been 1st Class. Thanks for all your help and consideration
Lapointe Insurance
5.0
2017-09-20T19:19:41+00:00
Have been a customer for going on 3 years and could not ask for better more professional service. All aspects of our experience has been 1st Class. Thanks for all your help and consideration

Linda Pratt is great to work with always

Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.
Lapointe Insurance
5.0
2017-09-20T19:17:30+00:00
Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.

Everyone there is always so helpful

I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.
Lapointe Insurance
5.0
2017-09-20T19:21:48+00:00
I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.

Good People

Lapointe Insurance
5.0
2017-11-17T17:16:17+00:00

Absolutely amazing!

We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!
Lapointe Insurance
5.0
2017-09-20T19:42:20+00:00
We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!

Excellent staff

Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me
Lapointe Insurance
5.0
2017-09-20T19:20:55+00:00
Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me

Very helpfully staff.

Lapointe Insurance
5.0
2017-09-20T19:17:51+00:00

That’s pretty amazing!

Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!
Lapointe Insurance
5.0
2017-09-20T19:19:08+00:00
Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!

Great place with friendly people.

Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.
Lapointe Insurance
5.0
2017-09-20T19:20:03+00:00
Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.
5.0
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