If you’re in the restaurant, bar, or hospitality industry, finding the right insurance can feel overwhelming. St Clair Insurance offers comprehensive coverage tailored to your unique risks—from liquor liability to weather-related damage, theft, and more.
Specialized insurance for restaurants, bars, hotels, and small businesses
Comprehensive personal coverage for homes, cars, motorcycles, RVs, and more
Custom-built policies based on your exact needs
Local expertise in Oregon and Washington laws
Dedicated service and claims support from real agents who care
Comprehensive insurance covers a wide range of unexpected events, all in one plan. It’s like a safety net that protects against things beyond everyday accidents.
Theft or vandalism
Storm, fire, or falling objects
Animal collisions
Glass breakage
Natural disasters
Liability lawsuits
Property damage
Income loss
Equipment replacement
Alcohol-related incidents
This is for business owners in the hospitality space, vehicle owners, and homeowners in Oregon and Washington looking for smart, flexible insurance. If you want one plan that protects everything that matters, you’re in the right place.
Protects against:
Slip-and-fall injuries
Damaged property claims
Product-related harm
Coverage starts at $1M with add-ons available.
For bars, restaurants, and events that serve alcohol:
Injury or property damage caused by intoxicated patrons
Compliance with Oregon/Washington liquor laws
Coverage: $500K–$1M and up.
Covers:
Company-owned, rented, or employee-used vehicles
Liability, collision, theft, and vandalism
Optional towing and rental reimbursement
Protects employees and keeps your business legal:
Medical bills
Lost wages
Industry-specific risk pricing
Includes:
Structure & rebuild costs
Personal belongings
Temporary housing during repairs
Liability & ID theft protection
Add flood, earthquake, and water damage coverage as needed.
Meets or exceeds state minimums
Collision & comprehensive options
Uninsured motorist protection
Roadside assistance + rentals
Motorcycles: Rider + passenger coverage
RVs: Vehicle + personal property
Boats: Damage, spills, and towing
Classic Cars: Agreed value coverage
ATVs & Snowmobiles: Custom policies
St Clair Insurance understands the special challenges of hospitality businesses in Oregon and Washington.
Over-service coverage
Underage incidents
Parking lot altercations
Licensing support
Buildings, inventory, and kitchen equipment
Lost revenue due to closures
Spoiled food, vandalism, and fire
Food poisoning and injury claims
Coverage beyond $1M for major lawsuits
Special consideration for alcohol-related issues
What industry are you in?
What incidents have occurred before?
What’s the value of your assets?
How much risk are you comfortable managing alone?
| Feature | Basic Insurance | National Brands | St Clair Insurance |
|---|---|---|---|
| Theft | No | Yes | ✅ + Lock Replacement |
| Vandalism | No | Yes | ✅ + Surveillance Upgrades |
| Storm Damage | No | Yes | ✅ + Earthquake Coverage |
| Business Income Loss | No | Partial | ✅ Full + Extended Support |
| Liquor Liability | No | Yes | ✅ + License Compliance |
| Hitting Animals (Auto) | No | Yes | ✅ + Free Rental Car |
St Clair Insurance builds your plan around:
Your business or personal property
What you need most (liability, income protection, vehicle support)
State laws and risk factors
Your budget
Options include:
Rental car coverage
Earthquake/flood protection
Identity theft recovery
Lock replacement services
Fill out a form or call directly
Discuss your current coverage, assets, and concerns
Get quotes based on your real needs
Choose your deductible
Add or remove optional coverage
Adapt to your property, vehicle, or industry specifics
Easy claims process
Local, responsive agents
Policy updates as your life or business changes
St Clair Insurance is more than a provider—it’s a partner.
Local agents who care about your business
Plans built specifically for Oregon & Washington laws
Added features like lock replacement, surveillance upgrades, and business income protection
Flexible pricing and ongoing support
Want to protect your business, family, and peace of mind?
Contact St Clair Insurance today and build a policy that works for you.
