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Restaurant Insurance Companies – Where To Find Restaurant Insurance Company in Montgomery County MD

Foresight Insurance is an independent “local” insurance agency that would give you an independent advantage for all your insurance needs.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision and most important, your agent is local and ready to take action to help yoru immediate needs, especially when you need them most…at the time of your claim.

On this post, we like to talk to you about Restaurant Insurance Companies – Where To Find Restaurant Insurance Company in Montgomery County MD

As a restaurant owner, you face risks many other small business owners don’t. And that makes having the right insurance all the more important.

Standard insurance policies often include coverage for your building, your business personal property, the personal property of others in your care and most liability risks.

Yet there are other coverages worth considering that aren’t automatically included in your main policy. These “extras” are typically offered as endorsements—documents attached to an insurance policy that expand or restrict coverage. (In this example, they all expand coverage.)

Here are the 10 risks that restaurant owners should consider covering by endorsement:

  1. A food contamination incident
  2. Liquor liability that covers accidents caused by intoxicated customers
  3. A wrongful termination, sexual harassment or other discrimination allegations
  4. Sewer and drain backup
  5. Employee dishonesty and theft
  6. Dish and glass breakage
  7. Direct damage to property and loss of income resulting from an off-premises utility failure
  8. Automatic increase for business personal property limits during your peak season
  9. Accidental leaking of fire protection systems
  10. Check, credit, debit or charge card forgery or alteration




As an independent insurance agent since 2008, Michael Cruz has been providing personal services for the local community in English and Spanish. He understands the importance of customer service and the comprehensive advice that they need to help them make the right decisions.

Michael believes on long-term relationships by educating his customer while protecting all their assets.

Give Michael a call today at 301–985–2667

Foresight Insurance Provides Auto/Car Insurance, Home Insurance, and Business/Commercial Insurance to All of Maryland, Including Rockville, Bethesda, and Gaithersburg.