By St. Claire Insurance | Serving Oregon & Washington
Operating a restaurant is both an art and a hustle. Between managing staff, delivering quality meals, and serving your community, it’s easy to overlook the fine print—especially when it comes to insurance.
At St. Claire Insurance, we’ve seen firsthand how restaurant owners across Oregon and Washington leave themselves exposed to risk by making a few avoidable mistakes. These small missteps can lead to major financial consequences, from out-of-pocket repair bills to legal liabilities that threaten your business.
Let’s break down the top 5 restaurant insurance mistakes and how to fix them before it’s too late.
Why it’s dangerous: Many business owners grab the lowest quote without realizing what’s not included. A cheaper policy might lack critical coverage like property damage, equipment breakdown, or employee-related liabilities.
Fix it: Work with a local expert (like our team at St. Claire) who can explain what your policy covers—and what it doesn’t. We tailor each restaurant policy to fit the unique risks of your business model.
🔗 Need clarity on what your policy should include? Read our Comprehensive Insurance Guide for Oregon Restaurants.
Why it’s dangerous: If you serve beer, wine, or spirits, you can be held liable for the actions of intoxicated patrons—even off your property. Oregon and Washington laws hold establishments accountable for overservice incidents.
Fix it: Include Liquor Liability Insurance in your coverage. It’s not just protection—it’s peace of mind, especially in high-traffic bar environments or weekend rushes.
Why it’s dangerous: Did you add a patio, expand your menu, or start offering delivery? Each change brings new risks. An outdated policy can leave you underinsured or fully exposed.
Fix it: Schedule a free annual policy review. At St. Claire Insurance, we check in to ensure your coverage grows with your restaurant. Your success is our priority.
Why it’s dangerous: If a kitchen fire, flood, or utility issue forces you to close, how will you pay rent, suppliers, or staff?
Fix it: Add Business Interruption Insurance to cover lost income during closures. Many restaurants in Oregon experienced long shutdowns due to wildfires and unexpected equipment failures. Don’t be caught off guard.
Why it’s dangerous: Generic online insurers don’t understand the unique risks of Oregon and Washington hospitality businesses—let alone the local regulations.
Fix it: At St. Claire Insurance, we specialize in protecting restaurants, bars, and hospitality groups across the Pacific Northwest. Our team offers real-time advice, same-day support, and proactive coverage audits designed specifically for your business.
If you’re unsure whether your restaurant is properly covered, we can help.
✅ Request a free policy review
✅ Get a customized insurance quote
✅ Protect your staff, assets, and livelihood today
📞 Call us at (Your Phone Number)
💬 Or click here to schedule a free consultation
🛡️ Comprehensive, Personalized Coverage
📍 Local to Oregon & Washington
🤝 Trusted by Restaurants, Bars, and Small Business Owners
🎯 We’re Not Just Agents—We’re Advocates
Stay Protected. Stay Focused on What You Do Best.
At St. Claire Insurance, we’re here so you can build, serve, and grow—confidently.
Need help with hospitality insurance, commercial auto, or personal coverage? Explore all our services here.
