Restaurant Insurance


As a bustling industrial center at the crossroads of rail and river travel, our region has enjoyed a long, rich history in the hospitality industry: restaurants, taverns, inns, diners, and various other food service establishments are places that give character, warmth, and memories to our neighboring communities. Gilbert’s Risk Solutions has been proud to serve the hospitality industry for more than seven generations.

Since our earliest days in business, we’ve taken pride in serving restaurants and all facets of the food service industry. Whether it’s eat-in or carry-out, a single family owned location or a multi-state chain, a diner, a deli or a drive in, casual or gourmet, we’ve partnered with owners to protect the business. In fact, we have some restaurants that we’ve worked with over several generations!


Insurance is the financial mechanism to help protect your business, but risk management is the real secret sauce that helps prevent potential losses. We’ll help by identifying your exposures, building a plan to mitigate those exposures, and recommend the right insurance coverage for your unique business. The best insurance option might be a Business Owners Policy (BOP) or Restaurant Insurance package, or it might be several stand-alone policies. There are also industry-specific optional coverages that may be beneficial to your operation.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Other restaurant coverage options


Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is timely claim management to optimal resolution

Serving the general public comes with a plethora of risks, from slips and falls and food poisonings to damaged or lost property; your premises are also at risk of problems, from kitchen fires and burglaries to storm damage and vehicle accidents; your employees can be cut, burned, or injured by unruly customers; and that says nothing of cyber attacks, reputational risks, and business interruption. It’s not easy to juggle these risks, and that’s where Gilbert’s Risk Solutions excels. We partner with you to identify and mitigate your exposures. Our goal is to be your outsourced risk manager partner and help you to focus on what you do best.

Our Process

Gilbert’s Risk Solutions takes a consultative, risk management approach to your business. We start by getting to know you and your unique business’ challenges. Our proprietary RISK SHIELD® Process identifies the extent of your establishment’s exposures and puts a loss control plan in place to mitigate those exposures. Often, the solution is an insurance product but, frequently, it’s a recommendation for a business process or a security measure that will reduce an exposure. Although insurance is a critical component in business protection, it’s only one component.

Tailored Solutions

We want to put the right plan in place for your unique business needs. We understand the restaurant and hospitality industry and the risks that you face. As part of our risk assessment process, we will advise you of vulnerabilities that we identify in your organization, help you to put risk management measures in place, and assist you in finding the right insurance vehicle to protect you should a problem occur.

360 degree approach

We take a 360 degree view of your business to ensure that all aspects of your business are secure. Our team of experts in Loss Control, Employee Benefits, Human Resources, and training are all available to our Gilbert’s Risk Solutions commercial clients, ensuring multi-pronged risk mitigation.