Would you rather have an agent who knows a little about everything or a lot about you?

Established in 1993, CREST Restaurant Insurance (CRI) is a full-service Commercial Property and Casualty insurance agency that specializes in insurance products for the foodservice and hospitality industry.

The CRI takes a consultative approach to identify and address the unique business challenges those in the hospitality industry and foodservice operators face. We listen, gather information, and develop a strategy to protect your business. As a restaurant owner, you’ve poured your sweat, time, and energy into a restaurant you want to take off more than anything. From discovering your desire for creating tasty dishes to taking out your first loan, starting a restaurant is a lot of hard work that requires careful preparation. Whether you’ve wanted your own restaurant for years or decades, it’s important that you take all of the necessary steps to make sure your restaurant is in top form. You’re in the business of creating and serving delicious food, and if you’re like most restaurant owners, you’d prefer not to get bogged down with excessive paperwork. Every minute spent on administrative details (like insurance coverage) is a minute taken away from more important activities (like delivering value to paying customers).

But having the right type of restaurant insurance can actually reduce paperwork. More importantly, proper liability coverage helps protect you in instances of property damage and loss of income.

No patron will ever rate your establishment based on the quality of your paperwork. They come for the dining experience – consumables are literally your bread & butter. But without proper restaurant insurance, you could face countless risks that can do far more damage than a negative Yelp review ever could.

Insurance Journal Top 100 P/C Agency

What Should Standard Restaurant Insurance Policies Cover?

Your insurance needs depend in part on the type of restaurant (e.g., fine dining, quick-serve, bakery, mobile food truck, night club, catering, coffee shop, etc.), the size of your workforce, and the services you offer. But to give you a general idea of the types of coverage you should consider, our insurance agents recommend:

  • General Liability Insurance
  • Property Insurance
  • Loss of Business Income
  • Liquor Liability Insurance
  • Business Owner’s Policy (a combo of General Liability and Property Insurance)
  • Workers’ Compensation Insurance
  • Hired and Non-Owned Auto Insurance (Delivery Drivers)
  • Cyber Liability Insurance.
  • Employment Practices Liability Insurance.
  • Umbrella/Excess Liability Insurance.
  • Business Auto Insurance.

If uninsured, any of the above can bring your business to a halt, forcing you to lose precious income on top of the out-of-pocket expenses you’ll have to pay.

Does All Of The Above Feel Like A Hassle?

It all seems overwhelming at first. “All the different types of coverage sound like a lot of extra paperwork” – which is precisely what you’re trying to avoid?

But receiving full coverage is a lot easier than you think.

At CREST Restaurant Insurance, we do all of the heavy lifting on your behalf. When you request a free quote, we carefully analyze your restaurant needs and match you with an insurance company or companies within our carefully selected network.

We’ve helped thousands of restaurants get the protection they need with absolutely zero hassle. Far from being expensive, this coverage is extremely affordable and offers protection against much costlier expenses like bankruptcies and litigation. As a result, our clients can focus exclusively on what they do best – serving their delicious creations to happy patrons.

The Crest Difference

  • Financial Strength
  • Claims Defense
  • Pure Consent to Settle
  • Free Tail Coverage
  • Nationally Endorsed Carriers
  • Cyber and Privacy Liability Insurance

Meet our team

Kirk Bamesberger

Kirk Bamesberger

Vice President


Jason VanGotten

Jason VanGotten

Account Executive/Producer


Cover your business with the Crest Advantage

Protect your restaurant from employment related charges

Crest Restaurant Insurance offers a stand-alone employment practices liability policy allowing employers to protect themselves in an increasingly litigious workplace. This valuable insurance product is specifically designed to protect businesses from First and Third Party coverage for wrongful acts including discrimination, harassment and retaliation, just to name a few. It is inexpensive, comprehensive and provides FREE risk and employee management services previously available only to larger corporations.

Protect your restaurant from a cyber attack

Crest Restaurant Insurance offers a stand-alone cyber liability policy to allow employers a way to protect themselves in the event of a data breach. A data breach can occur when personally identifiable information is compromised by hackers, a faulty transaction, malfunctioning technology, simple human error or even lost or improperly disposed data. The effect of a data breach on a small to medium sized business could be devastating. You will be hacked, it is not a matter of if, but when.

Denver (720) 667-1850

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