Coverage That Doesn’t Get in the Way of Service
Running a restaurant or bar means juggling a thousand moving parts, kitchens, customers, permits, staff, and late nights. One fire, foodborne illness, or liquor-related claim can wipe out years of hard work. At KilGO Insurance, we help Richmond-area food and beverage businesses stay protected from the risks that come with serving the public.
Who We Help:
- Full-Service Restaurants
- Quick Service & Fast Casual
- Food Trucks & Catering Companies
- Coffee Shops & Cafes
- Breweries, Distilleries & Wineries
- Bars, Taverns & Nightclubs
- Private Event Venues & Pop-Ups
Coverage That Makes Sense for Hospitality:
We build your policy around the unique risks of food and beverage service:
- General Liability: Covers slips, trips, or claims from foodborne illness
- Liquor Liability: Protects you if alcohol service leads to an incident
- Commercial Property: Covers equipment, inventory, fire, and flood
- Business Interruption: Pays your bills if you must shut down temporarily
- Workers’ Compensation: Required in VA to cover staff injuries
- Food Spoilage: For losses tied to power outages or equipment breakdowns
- Cyber Liability: Protects POS and customer data from hacks.
- Assault & Battery Coverage: Option protection in high-liability venues
Why Restaurants Choose KilGO:
- Local agents who understand health inspections, ABC rules & staffing challenges
- Fast certificates for vendor and landlord compliance
- Flexible packages for season or event-based operations
- We compare multiple carriers to find the best rate and fit
Proudly Insuring Hospitality Clients In:
- Richmond
- Chesterfield
- Henrico
- Midlothian
- Short Pump
- Bon Air
- Hanover
Peace of Mind, On the House
We’ll serve up a smarter insurance strategy for your restaurant or bar. Call us, email us, or hit the quote button below. We’ll get you covered so you can keep cooking.
Call or Text 804.403.7400
