Protect Your Restaurant
Restaurant insurance shields your business from property damage, liability, employee injuries, and income loss, helping you stay financially secure and operational when unexpected challenges affect your daily operations.
Use this form to submit service inquiries directly.
Why It Matters
Restaurant insurance helps reduce financial strain from damage, theft, or closures, ensuring your business can recover quickly and maintain consistent operations through unexpected challenges.
Our Solutions
Protect your business from every angle with coverage tailored to real operational risks. From workplace safety to cyber protection, our solutions help secure your assets, people, and reputation.
Defend against data breaches, cyberattacks, and digital security threats.
Protect employees and your business from workplace injuries and lost wages.
Covers property damage, tenant risks, and lost rental income.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Quick Help
Find clear guidance on restaurant insurance coverage, claims, and policy options designed to help you manage risks and protect your business effectively.
Restaurant insurance covers property damage, liability, employee injuries, and income loss from business interruptions. For help choosing the right protection for your establishment, ask your agent for detailed policy guidance.
While not always mandatory, many landlords and lenders require coverage. It also safeguards your investment from costly claims. If you need help understanding requirements, contact us for assistance with your local guidelines.
Coverage depends on your property value, size, and daily operations. An assessment ensures accurate protection levels. You can request quote adjustments anytime to match your restaurant’s changing needs.
Yes, workers’ compensation is part of most policies. It covers medical costs and lost wages for injured staff. For plan details specific to your operation, ask your agent for a breakdown.
Yes, many policies include food spoilage coverage caused by equipment failure or power loss. For advice on adding this protection, schedule a call to review your existing coverage options.
Loss of income coverage replaces revenue lost during closures caused by covered events. To ensure this protection is active in your policy, contact us for confirmation and coverage review.
Yes, most comprehensive plans cover theft, vandalism, and similar damages. To align your policy with current risks, request quote updates that reflect your restaurant’s property and assets.
You can report incidents directly through your insurer or with agent help. To speed up the process and reduce downtime, start your claim as soon as damage occurs.
Coverage options vary across providers and policy types. For expanded information on available protections, view our service archive for current policy types and supplemental coverage additions.
Start Protection
Safeguard your restaurant with insurance that protects property, staff, and income, helping your business recover fast and stay operational during unexpected disruptions.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.
