Running a restaurant is a labor of love. Every day, from perfecting recipes to creating memorable dining experiences, brings new opportunities and challenges. At Sevigney Lyons Insurance Agency, we understand how much you’ve invested in your business, and we’re here to help you protect it with tailored restaurant insurance solutions.
Whether you’re serving fresh seafood in Wells, running a cozy café in Kennebunk, managing a bistro in Ogunquit, or operating a bustling diner in Biddeford, having the right insurance coverage is critical. Our team specializes in providing Maine restaurant owners with policies that safeguard their livelihoods and allow them to focus on what they do best—delighting their customers.
Owning a restaurant in Maine comes with unique rewards and responsibilities. From serving lobster rolls in the summer to providing warm meals during snowy winters, your restaurant is a cornerstone of the community. But along with these opportunities come risks: a kitchen fire, a slip-and-fall accident, or a storm damaging your building could jeopardize your business.
Restaurant insurance protects you from these unexpected events. It’s not just about meeting legal requirements; it’s about ensuring your business can recover and thrive no matter what challenges come your way.
At Sevigney Lyons Insurance Agency, we create customized insurance policies with restaurant owners in Wells, Kennebunk, Ogunquit, Biddeford, and throughout Maine. Here’s a breakdown of the essential coverages we offer:
Accidents happen; when they do, liability insurance is your first line of defense. This coverage protects you if:
• A customer slips and falls in your restaurant.
• Someone claims they got sick after eating your food.
• A delivery person is injured while dropping off supplies.
Liability insurance covers legal fees, medical bills, and settlement costs, allowing you to focus on your business instead of worrying about lawsuits.
Your building, equipment, and inventory are critical to your restaurant’s success. Property insurance covers damages caused by:
• Fires in the kitchen.
• Storms that damage your roof or windows.
• Theft or vandalism.
Whether you own or lease the building, this coverage ensures you can repair or replace what’s needed to get back to business.
In Maine, workers’ compensation is required for most businesses with employees. This coverage is crucial for restaurants where staff often work in fast-paced and potentially hazardous environments. Workers’ comp helps pay for:
• Medical expenses for injured employees.
• Lost wages while they recover.
• Legal costs if an employee files a claim.
What happens if a storm forces your Ogunquit restaurant to close for repairs or a power outage spoils all your food inventory in Biddeford? Business interruption insurance helps cover lost income and operating expenses during unexpected closures so you can weather the storm financially.
If your restaurant in Kennebunk or Wells serves alcohol, liquor liability insurance is essential. This coverage protects you if:
• A patron causes an accident after drinking at your establishment.
• You’re sued for over-serving a customer.
Maine has strict liquor laws, and this coverage ensures compliance while minimizing financial risks.
With Maine’s seafood-rich menus, proper food storage is essential. This coverage protects you from losses due to:
• Equipment breakdowns that spoil perishable items.
• Power outages that render inventory unusable.
• Foodborne illness claims.
At Sevigney Lyons Insurance Agency, we pride ourselves on being more than just an insurance provider. We’re your neighbors, your advocates, and your partners in success. Here’s why restaurant owners across Maine, including Wells, Kennebunk, Ogunquit, and Biddeford, choose us:
We understand Maine restaurants' unique challenges, from harsh winter weather to fluctuating seasonal demands. Our team knows the local landscape and can help you navigate risks specific to your community.
Every restaurant is different, whether it’s a fine dining establishment in Kennebunk or a casual seafood shack in Ogunquit. We take the time to understand your business and design a policy that fits your specific needs and budget.
As an independent agency, we work with multiple top-rated insurance carriers to find the best coverage at the most competitive rates. This means you get great value without sacrificing quality.
From helping you select the right policy to assist with claims, our team is here for you every step of the way. We’re committed to making the insurance process simple and stress-free so you can focus on running your restaurant.
If your restaurant in Ogunquit is near the coast, you know how unpredictable storms can be. High winds, flooding, and snowstorms can cause significant property damage. Our policies cover these risks, so you’re prepared no matter what Mother Nature has in store.
Restaurant kitchens are full of potential hazards, from sharp knives to slippery floors. Workers’ compensation coverage ensures your employees are cared for if injured, helping you maintain a loyal and healthy workforce.
Restaurants in Maine, particularly those serving seafood in Wells or Biddeford, must adhere to strict food safety standards. If a customer claims they became ill after dining at your establishment, liability insurance protects you from the financial fallout.
In Maine, most restaurants must have workers’ compensation insurance if they have employees. General liability insurance is not legally required but is highly recommended to protect against common risks.
The cost varies based on factors like your restaurant’s size, location, and the types of coverage you choose. Our team at Sevigney Lyons will work with you to find the best coverage at a price that fits your budget.
Yes! At Sevigney Lyons, we tailor policies to meet your needs, whether you run a small café or a large fine-dining restaurant.
Many policies include coverage for equipment failures, helping you repair or replace essential kitchen tools without financial strain. Talking to one of our experienced independent insurance agents can guide you.
Food spoilage coverage is often included or can be added to your policy. It protects against losses from power outages, equipment failures, or other incidents that cause your perishable inventory to go bad. This is especially valuable for restaurants in Maine, where storms and power outages can occur.
While liquor liability insurance is not legally required in Maine, it’s strongly recommended—and often mandatory—if you’re applying for a liquor license. This coverage protects your business from claims related to alcohol-related incidents, such as over-serving a patron or accidents caused by intoxicated customers.
Business interruption insurance can help in this situation. It covers lost income and operating expenses, such as payroll and rent, during a temporary closure caused by a covered event like fire, storm damage, or vandalism. This ensures your restaurant can recover financially while you get back on your feet.
Your restaurant is more than just a business—it’s your passion, livelihood, and a vital part of the Maine community. Don’t leave it vulnerable to unexpected risks. At Sevigney Lyons Insurance Agency, we’re here to help you find the right coverage to protect everything you’ve worked so hard to build.
From Wells to Kennebunk, Ogunquit to Biddeford, and everywhere in between, Sevigney Lyons Insurance Agency has your restaurant covered. Let us help you protect your business so you can focus on what you do best—serving your community with delicious food and great service. Get a Free Commercial Restaurant Insurance Quote Today!
