"Protect Your Restaurant, Maximize Your Profits"
Tailored Insurance Solutions to Reduce Risk and Lower Cost

The Site that Includes Everything a Restaurant Owner Needs. We Serve and Welcome all Cuisines in the following categories in all 50 States

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About Restaurant Owners Insurance

RestaurantOwnersInsurance.com understands what it takes to operate a successful restaurant. As a chef and restaurant owner, I understand owning and running a restaurant can come with its challenges at times. It involves a combination of passion, culinary expertise and hands-on management with financial acumen.

Today with rising costs, it is important to be mindful of the bottom line. Having a culinary background with decades of experience in both the restaurant industry and the insurance industry, I have the opportunity to combine decades of experience and skills to serve you.

I created this website with the sole focus and purpose of making a positive impact for restaurant owners. Whether you are a smaller operator with one location, a larger operator with hundreds of units, or you have a hip hop food truck, we have the products, services and solutions for you. Even if you have the misfortune of experiencing claims, rate increases or you are having difficulty finding coverage for a special event, you've come to the right place!

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We don't just take orders and place policies for you. You deserve the full red carpet treatment and a 5 star experience. The moment you begin working with us you will notice the difference immediately. Our team is here to simplify the process and help you run the most efficient operations while helping to mitigate your risk. Shopping insurance is the easy part and you deserve so much more. You will receive value added services along with a strategic partner to help grow your business.

Let us learn about your unique story, so we can share it with the many insurance companies we have aligned with to help you scale and manage your risk while increasing your bottom line.

We look forward to helping you create higher profits!
Contact Today!

We Serve and Welcome all Cuisines in the following categories in all 50 States

Casual Family Dining

Fine Dining

Fast Food

Pizza

Delicatessens

Bakeries

Juice Bars, Acai Bowls, Smoothie Shops

Caterers

Food Trucks

Our Menu

Appetizers

Commercial Property

Property Coverage including buildings, is a type of insurance policy that provides financial protection for physical structures, such as commercial buildings, and other real estate properties. This type of insurance is designed to cover damages or losses to the insured property due to various perils
Market Price

Tenant Improvements

Tenant Improvements, often abbreviated as "TIs," refer to the modifications or alterations made to a commercial or residential rental property to meet the specific needs and preferences of a tenant.
Market Price

Equipment Breakdown

Equipment Breakdown refers to the failure or malfunction of machinery, equipment, or systems used in various industries and settings. This can include anything from industrial machinery in manufacturing plants to appliances in homes
Included

Crime

Crime refers to any unlawful act or behavior that violates a legal statute, regulation, or law established by a governing authority. Crimes can range from minor offenses like petty theft to more serious offenses such as murder or fraud.
Market Price

Delivery Coverage

Food Delivery: Many restaurants and food establishments offer food delivery services, either through their own drivers or through third-party delivery services like UberEats, Grubhub, or DoorDash.
Market Price

Theft

Theft coverage refers to a type of insurance coverage that protects individuals or businesses from financial losses resulting from theft or burglary.
Included

Wind

Wind Damage typically refers to insurance claims related to damage or loss caused by windstorms or high winds. These claims are filed by individuals, businesses, or property owners who have suffered losses due to wind-related events
Included

Water Damage (Sewer Back-up)

Water Damage and Sewer Backup coverage for restaurants typically fall under a commercial property insurance policy or a business owner's policy (BOP)
Included

Sides

Food Spoilage

Food Spoilage is a common problem in the food industry and for consumers, as it can result in foodborne illnesses, economic losses, and food wastage.
Included

Food Borne Illness

Foodborne Illnesses, also known as food poisoning, are illnesses caused by the consumption of contaminated food. These illnesses can result from bacteria, viruses, parasites, or chemical substances that contaminate the food.
Included

Cyber Liability

Cyber Liability refers to the potential financial and legal risks that organizations face in the event of a data breach or other cybersecurity incident. As businesses and individuals increasingly rely on digital technologies and the internet, the importance of protecting sensitive data from cyberattacks has grown significantly.
Market Price

Directors and Officers

Directors and Officers Liability (D&O Liability) is the legal and financial responsibility that individuals serving as directors and officers of a company may face for their actions and decisions while managing the company.
Included

Fiduciary Liability

Fiduciary Liability refers to the legal responsibility and potential liability that individuals or entities assume when they act as fiduciaries. A fiduciary is someone who is entrusted with the duty to act in the best interests of another party.
Market Price

Pollution Liability

Pollution Liability refers to the legal responsibility or financial obligation that individuals, businesses, or organizations have for any damage or harm caused to the environment or third parties due to pollution or contamination.
Market Price

Liquor Liability

Liquor Liability, also known as alcohol liability, is the legal responsibility that can be imposed on restaurants or other establishments that serve or sell alcoholic beverages to individuals who subsequently could cause harm to others as a result of their intoxication.
Included

Chef's Specials

Main Coverages

Workers Compensation

Water Damage and Sewer Backup coverage for restaurants typically fall under a commercial property insurance policy or a business owner's policy (BOP)
Market Price

General Liability

General Liability is a type of insurance coverage that provides protection for businesses or individuals against a wide range of common risks and liabilities. It is a standard form of insurance that is paramount for most businesses, as it helps safeguard them from financial losses that can result from various unexpected events and claims.
Market Price

Umbrella/ Excess Liability

Umbrella / Excess Liability insurance are both types of insurance coverage that provide additional protection beyond what is offered by primary insurance policies like general liability, liquor liability and auto insurance.
Market Price

Business Auto

Business Auto also known as commercial auto insurance, is a type of insurance coverage that provides protection for vehicles used for business purposes.
Market Price

Non Owned Hired Auto Liability

Non-Owned and Hired Auto liability insurance is a type of insurance coverage that provides protection for businesses and individuals who use vehicles they do not own for business purposes. This coverage is particularly important for companies that rent or lease vehicles, or for employees who use their personal vehicles for work-related tasks.
Market Price

Business Owners Policy

Business Owners Policy (BOP) is a type of commercial insurance policy designed for small and medium-sized businesses. It combines several essential coverages into a single policy, making it more convenient and cost-effective for business owners.
Market Price

Business Interruption (Loss of Income)

Business Interruption Loss of Income also referred to as business income loss or business interruption insurance, is a type of insurance coverage that helps protect a business's income in the event of a covered disaster or interruption that disrupts normal operations
Market Price

Contingent Business Interruption
(Loss of Income)

Contingent Business Interruption (CBI) is a type of insurance coverage that provides protection to a business when it suffers financial losses due to disruptions in the operations of its suppliers or customers. This coverage is typically an extension of a standard business interruption insurance policy and is designed to mitigate the financial impact of events beyond the business's control that affect its supply chain or customer base.
Market Price

Value Added Services

24/7 Nurse Triage

24/7 Nurse Triage services are healthcare services that provide round-the-clock access to trained nurses who can assess a employees' symptoms, provide medical advice, and help determine the appropriate course of action.
Market Price

Return to Work / Modified Duty

Return to Work Modified Duty refers to situations when an employee who has been hurt on the job, receives medical treatment and is cleared by the occupational doctor to return to work and with certain restrictions or modifications to their regular job duties.
Included

Bi-Lingual Advocate Services

Bilingual Advocacy Services for injured employees who require assistance when communicating after they have been injured on the job. Especially when they are not proficient in the primary language of the workplace or the legal and medical systems involved.
Included

Transitional Duty

Transitional Duty return to work programs, often known as transitional work programs or return-to-work programs and designed to help employees who have been injured or are recovering from an illness or disability gradually transition back to their regular job responsibilities or to alternative work within the same organization.
Included

In House Investigation Fraud Unit

In-house Investigations Fraud Unit often referred to simply as a "fraud unit" or "fraud investigation unit," is our specialized department within our organization that is dedicated to identifying, preventing, and mitigating fraudulent activities in your restaurants.
Included

Claims Oversight

Claims Oversight is a process of focusing, monitoring and managing insurance claims to ensure they are processed accurately, efficiently, in the best interest of our clients and follows the language with the terms of the insurance policy. This is a crucial function for insurance companies and other organizations that handle claims.
Included

Experience Modification Analysis

Experience Modification Analysis Unit Stat Management are key components of workers' compensation insurance for businesses. EMR, also known as an experience modification rate or mod factor, is a numerical value used by insurance companies to adjust workers' compensation insurance premiums for a specific employee. Unit stat data typically includes information on individual claims, such as claimant demographics, injury details, medical expenses, lost wages, and the ultimate resolution of each claim.
Included

Pay as you Go Payment Plans

Pay-As-You-Go (PAYG) payment plan is a flexible billing model used by various service providers, particularly in the telecommunications and utilities industries, to charge customers based on their actual usage of a service or resource.
Included

Fractional Resources
(HR, Safety, Medical, Legal, Payroll)

Fractional Resource Services involve hiring professionals on a part-time or fractional basis to provide specialized expertise or support to your organization. Here's some information on each of these fields: HR, Safety, Medical, Legal, Benefits and Payroll
Market Price

OSHA Compliant IIPP Safety Plan

Discounted OSHA Compliant Safety Plans (IIPP). An Injury and Illness Prevention Program (IIPP) is a workplace safety program designed to prevent workplace injuries and illnesses. IIPPs are also known as Safety and Health Programs, Occupational Safety and Health Programs, or simply Safety Programs
(30% off)

What Restaurants Owners Say

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A true professional as Mr. McDonough clearly prioritizes partnering with his clients, in eliminating a transactional mindset in providing the best available options that fit oneโ€™s business needs. He is always reliable and available. His genuine and caring nature have served us well for more than 15 years. A referral is the biggest form of flattery and is how we pay Mr. McDonough back for the money and turnover he has saved our business. I would suggest taking advantage of a free no commitment guarantee in a personal business evaluation with ROI under the guidance of Mr. McDonough.

David Babbush

-John Doe

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Our workers' comp program was in shambles and mismanaged by our prior insurance carrier. We met Mike through a referral. He helped us to set up and execute an effective risk management and claims management program to clean up our existing claims. He moved us to a quality carrier which greatly reduced our rates. Next year I expect my relative premium to fall in half from its peak. All the while he has been a great communicator and educator. Frankly I canโ€™t say enough good things about him.

-John Doe

Shane Hitzeman
Panera Bread
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Mike is so passionate about workersโ€™ comp! He has been instrumental in educating our managers and employees to help ensure we keep exposure low and costs down. Itโ€™s not uncommon for him to spend an hour or more on the phone if I have a question or need assistance. He is very responsive and thorough as wellโ€”always available to help and provides regular check-ins to make sure our workers' comp costs are controlled.


Patty DaSilva from
Brophy Brothers in Santa Barbara, CA

-John Doe

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Our Team

Meet Our Awesome Chef & Owner

Get acquainted with the exceptional individual who comprises our extraordinary team โ€“ meet the awesome force behind our success and discover the face behind the achievement.

Mike McDonugh
Founder, CEO
Mike McDonugh
Founder, CEO
Mike McDonugh
Founder, CEO
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Contact Us

Contact Us In A Convenient Way:

Phone

805 680-4918

McDonough Insurance Services

Protecting your business, securing your future.

Workers Compensation Insurance Advisors Focused on Reducing Risks and Minimizing Work Comp Costs for Construction, Wholesale, Food Processors, Trucking, Agriculture, Home Care and Cannabis

27136 Paseo Espada #103 San Juan Capistrano, CA 92675
mike@mcdonoughins.com
949-361-8471

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