Coverage built for coastal restaurants
Restaurants face a unique mix of property, liability, and operational risks—especially on the South Carolina coast, where tourism, weather, and seasonal staffing all factor into coverage decisions.
Core coverages for restaurants
- Commercial property — building, kitchen equipment, furniture, and inventory
- General liability — customer injury and third-party property damage
- Liquor liability — if you sell or serve alcohol
- Workers compensation — required for most SC employers
- Business interruption — income protection after a covered loss
- Food spoilage / equipment breakdown — refrigeration and critical equipment failures
Coastal considerations
Wind, flood, and storm-related closures are real exposures for Surfside Beach and Grand Strand restaurants. Confirm whether wind is included or written through the Beach Plan, and whether you need separate flood coverage. An independent agent who understands local carriers can help structure a package that fits your menu, location, and risk tolerance.