Owning a restaurant isn’t just about serving great food — it’s about creating memorable experiences for your customers while managing a business with countless moving parts. From cooking and staffing to licensing, deliveries, and guests coming in and out every day, one unexpected accident, fire, or lawsuit can threaten everything you’ve built. That’s why having the right insurance in place isn’t just smart — it’s essential.
At Sharp Insurance & Financial Services, we specialize in helping restaurants across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — protect their businesses with tailored, affordable coverage. Whether you run a small family diner, a neighborhood bar and grill, or a full-service fine dining establishment, we’ll help you safeguard your property, your staff, and your bottom line.
This coverage is designed specifically for:
Restaurant insurance goes beyond basic business coverage. It’s built to protect you from the unique risks you face daily — from kitchen fires and customer slip-and-fall claims to liquor liability issues, foodborne illness, and employee injuries. With the right policy in place, you can focus on delivering great food and hospitality while we focus on keeping your business secure.
Every restaurant is unique — but no matter the size or style of your business, the right insurance package should cover the risks that come with running a busy kitchen and serving the public every day. At Sharp Insurance & Financial Services, we build customized policies designed to protect restaurants across Kentucky, Ohio, and West Virginia, including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston.
Protects your business if a customer is injured on your property, experiences property damage, or files a lawsuit against you.
Covers your building, kitchen equipment, furniture, signage, and inventory against damage from fire, storms, theft, and more.
Provides medical and wage benefits if an employee is injured or becomes ill due to work-related duties.
Essential for any business that serves alcohol; covers claims related to property damage or injuries caused by intoxicated patrons.
Helps replace lost income and cover expenses if your restaurant is forced to close temporarily due to a covered event (like a fire or storm damage).
Pays to repair or replace essential equipment like ovens, refrigerators, or freezers if they fail unexpectedly.
Protects against financial losses if food inventory spoils due to equipment breakdown, power outage, or mechanical failure.
Covers costs related to data breaches or cyberattacks, which is increasingly important if you process online orders or store customer information.
Adds extra protection beyond your primary policy limits.
At Sharp Insurance & Financial Services, we’re committed to helping you find the right Restaurant insurance solution for your needs. We proudly serve businesses and families throughout Kentucky, Ohio, and West Virginia, providing expert guidance, personalized coverage, and local support you can trust. Contact us today to discuss your options and get a quote tailored to your situation.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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