Restaurant Insurance

Food spoilage, employee issues, grease fires, power outages, and unplanned problems can put a restaurant in a bind in moments.

Without the right partner you can trust to help you mitigate these risks, it could put your restaurant out of business in days.

That's why for the Hammond Team it goes beyond selling you a policy.  We assess your risk and recommend the best coverage for your situation.

Restaurant Empoyees in Kitchen.jpg
Our Risk Management Process

Identify & Assess Risk





With over 50 years of experience, we can

identify common risks within your industry.

With one of the largest selection of 

programs, we can match you up with 

the right fit for you.

Get you the right coverage for your

needs and mitigate your risks.

Resolving most common issues such as:
  • Equipment Breakdown Coverage when equipment fails to replace lost income.

  • Food Spoilage Insurance when refrigeration breaks or when power outages occur.

  • Food Contamination Coverage for lost income due to shutdowns and even compliance costs

  • Business Auto Insurance to assist with repairs and medical when you are responsible for the accident.

  • Liquor Liability for serving intoxicated persons, violating state law or improper training cases

As one of the top Restaurant insurance providers in the Central Virginia area, we service over 100 different Hospitality businesses.  Our distinct expertise in this industry has made Hammond Insurance the go-to provider for Hospitality, Restaurants, and Bars.

  • ​General Liability
  • Property Insurance
  • Business Owner Policy
  • Worker's Compensation
  • Commercial Auto
We work with:
  • Restaurants
  • Bars
  • Food Trucks
  • Taverns
  • and most food industries
Hammond Advantage:
  • Knowledgeable Staff with over 25 years in the Restaurant & Service Industry
  • One of the largest selections restaurant programs to fit your needs allowing us to give you competitive rates.
  • Quick response gives you peace of mind in a crisis situation.
  • Fast Claims gets you your money fast and get your business operating again.
  • Wide coverage area with 7 locations to serve you.