Hospitality
Restaurants & Taverns
Restaurants are a labor of love that cannot rely solely on quality products or great customer service—they need both.
GCM understands the unique investment restaurateurs make, offering a range of products to the hospitality industry, including:
- Property (including windstorm & flood)
- Employment Practices Liability Food Spoilage
- General Liability Equipment Breakdown ADA
- Workers’ Compensation Assault & Battery Sexual Harassment/Discrimination
- Cyber Liability Valet Innkeepers Liability
- Umbrella/Excess Liability Food Contamination Delivery
This list is not exhaustive. We can customize a policy as unique as each dish you send out and every customer you serve.
Breweries
Breweries require unique coverage to suit their unique business model. When your product is manufactured and sold in a single location, there is a heightened risk associated with your business. We understand the additional considerations for breweries and write our policies accordingly. If a catastrophic event occurs, both your product and physical location could be impacted—Brite tanks, Uni-Tanks, and mash mixers are typically too costly to replace while experiencing income loss.
Our Craft Brewery & Distillery package policy offers sub-limits for operational needs like processing water, contamination & adulteration, and other customizable coverage for unique risks such as product withdrawal.
The average policy may not cover costs associated with a tank collapse, leakage, product contamination, or spoilage. At GCM however, we provide customized policy bundles to ensure that your brewery is fully protected.
Liquor Liability & Assault and Battery Coverage for restaurants, taverns, breweries, & more
Liquor liability is required at all taverns serving alcoholic beverages as a safeguard to both employees and patrons. 70% of claims from breweries derive from Assault and Battery, making it imperative to have both Liquor Liability and Assault and Battery coverage for your establishment. GCM offers both kinds of coverage, which can be easily bundled with your general liability policy.
