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Built for businesses that serve communities every day.


Republic Insurance Group provides specialized insurance and risk management solutions for food, beverage, and retail businesses—designed for independent operators, family-owned shops, and regional brands across rural and small-town America.

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  • Coverage built for customer-facing operations

  • Liquor liability and product exposure handled correctly

  • Claims advocacy when incidents impact reputation and revenue

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Main Street businesses that keep communities running

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We work with owner-operated and regional food, beverage, and retail businesses, including:

  • Restaurants, cafés, diners, and grills

  • Bars, taverns, and music venues

  • Grocery stores and local markets

  • Convenience stores and travel stops

  • Liquor stores and package stores

  • Breweries, wineries, and distilleries

  • Bakeries and food production kitchens

  • Food trucks and mobile vendors

  • Specialty and boutique retailers

  • Farm-to-market and rural retail operations

 

If customers walk through your doors, your insurance must be built around people, products, and public interaction.

Core Coverage Solutions

Coverage built around daily operations

Property Coverage

  • Buildings and tenant improvements

  • Contents, inventory, and stock

  • Refrigeration and perishable goods

  • Outdoor signage and equipment

  • Business interruption and extra expense

General Liability

  • Premises liability for customers and guests

  • Operations liability

  • Products and completed operations

Product Liability & Food Contamination

  • Allegations of foodborne illness

  • Product handling and preparation exposure

  • Recall and disposal considerations (where applicable)

Liquor Liability (When Applicable)

  • Alcohol service exposure

  • Dram shop and host liquor considerations

  • Required for bars, restaurants, and event venues

Workers’ Compensation

  • Kitchen staff, clerks, servers, and managers

  • Classification and payroll coordination

  • Employer liability protection

Commercial Auto

  • Delivery vehicles and catering vans

  • Hired and non-owned auto exposure

Umbrella & Excess Liability

  • Additional limits over GL, auto, and liquor liability

  • Often critical for higher-traffic or late-night operations​

Specialty Coverages 

Often critical depending on operations

Based on how you operate, we may recommend:

  • Equipment Breakdown – refrigeration, ovens, POS systems

  • Crime Coverage – theft, robbery, employee dishonesty

  • Cyber Liability – POS systems, payment data, ransomware

  • Employment Practices Liability (EPLI) – employee-related claims

  • Outdoor & Special Events Coverage – tastings, festivals, live music

  • Inland Marine – mobile equipment and off-premises inventory

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Core Risks in Food, Beverage & Retail

Where claims really come from

Food and retail businesses face a combination of property, liability, and reputational risk, including:

  • Slip-and-fall and premises liability claims

  • Foodborne illness and contamination allegations

  • Alcohol-related incidents and dram shop exposure

  • Fire and grease-related losses

  • Theft, robbery, and employee dishonesty

  • Equipment failure and business interruption

  • Auto exposure for delivery or catering

  • Employment-related disputes

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We focus on preventing coverage gaps that threaten cash flow and continuity.

Why Republic Insurance Group

A practical approach to customer-facing risk

Food and retail businesses don’t have time for insurance confusion.

Our approach:

1. Operational review
We look at hours, traffic, alcohol service, food handling, and staffing.

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2. Coverage alignment
Property, liability, liquor, and workers’ comp structured to work together.

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3. Risk management support
Guidance on signage, policies, and incident prevention.

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4. Claims advocacy
Hands-on support when incidents impact revenue or reputation.

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What business owners value most:

  • Clear explanations without jargon

  • Coverage that responds during real incidents

  • Fast service and reliable support

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Food, Beverage & Retail Segments We Insure

Common account profiles

  • Independent restaurants and cafés

  • Bars and live-music venues

  • Small-town grocery and market operators

  • Liquor and package stores

  • Breweries, wineries, and tasting rooms

  • Food trucks and mobile vendors

  • Specialty retail and boutiques

  • Multi-location regional operators

Frequently Asked Questions

1) Is liquor liability required?
Often yes, if alcohol is sold or served. Requirements vary by state.

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2) Does general liability cover food poisoning?
It may, but limits and endorsements matter.

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3) Are food trucks insured differently than restaurants?
Yes. Auto, mobile equipment, and location exposure must be addressed.

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4) What about delivery services?
Delivery introduces additional auto and liability exposure.

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5) Is cyber insurance necessary for small retailers?
Increasingly yes — POS systems are common targets.

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6) How often should coverage be reviewed?
At least annually or when operations change.

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Insurance built for businesses that serve people every day.

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From restaurants and bars to grocery stores and retail shops, Republic Insurance Group delivers insurance solutions designed for real-world food and retail risk.

Disclaimer: Insurance coverage varies based on location, policy, and individual business circumstances. For details about coverage in your state, consult with a licensed insurance agent. The information provided on this site is for general reference only and does not guarantee compliance with state or federal laws. Coverage specifics are determined by the terms, definitions, and exclusions outlined in each individual policy. © Copyright 2025 Republic Insurance Group. All rights reserved.

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