Restaurant and bar insurance in South Carolina tailored to your menu and venue

Coverage That Matches Your Service

From coffee bars to late-night kitchens

Busy weekends on Main Street Greenville, live music in Travelers Rest, food trucks on Woodruff Road—hospitality is high-energy and high-exposure. The Sullivan Agency helps cafés, pubs, and fine-dining spots build policies that address slips and spills, kitchen fires, and alcohol service—all while meeting landlord and vendor requirements. Pair your base with general liability insurance for guest injuries and advertising claims.

The Right Ingredients

Core protections for SC hospitality

Black silhouette of a construction worker wearing a hard hat and safety vest.
Property

building (if owned) and contents—ovens, walk-ins, POS, furniture, and stock

Black delivery truck.
Food spoilage and equipment breakdown

cover losses from outages or failed coolers

Black and white icon of a cordless drill.
Business interruption

replace income during repairs after a covered loss

Buildings and construction crane.
Liquor liability

crucial if you serve alcohol; many venues require it

Umbrella over a shield with a checkmark. Protection symbol.
Crime coverage

 protects cash-heavy operations

Coordinate delivery and catering exposures with commercial auto insurance for company vehicles or hired/non-owned use. For teams on their feet all day, make sure workers’ comp is in place and properly classified.

Compliance, Certificates, and Landlord Clauses

Get on the vendor list faster

We’ll issue timely certificates for landlords, venues, and distributors; add additional insured endorsements; and review lease insurance requirements—so opening night isn’t delayed by paperwork.

Questions SC owners ask

  • Is liquor liability really necessary?

    Yes. It’s often required and essential protection if a patron causes harm and your business is named in a claim.

  • Does property cover food spoilage?

    Not automatically. Add spoilage and equipment breakdown to protect perishable inventory.

  • We use delivery apps—are we covered?

    We’ll review your contracts and set hired/non-owned auto liability to address third-party delivery exposures.