Who’s looking out for your restaurant?

We know you don’t have time to check your policy to make sure you’ll be covered for hypothetical situations. But when that kitchen fire, foodborne illness, employee theft, or slip and fall occurs, the hypothetical becomes real. That’s when you need someone you trust who understands your operations; Someone who has kept tabs on changes to your restaurant, identified the risks you’re exposed to and proactively tailored your coverage accordingly.


So when a loss or accident becomes not-so-hypothetical, you don’t have to miss a beat. You just call the person who has been watching out for you and your restaurant.

Coverage Highlights

Optional Coverages Tailored for Restaurants

Liquor liability
Wine collection
Employment practices liability
Commercial automobile
Workers compensation
Commercial umbrella
Crime insurance & fidelity bonds
Cyber liability
Crisis response

Personal effects and property of customers, including theft

Property Insurance Highlights

Business income – actual loss sustained

Accidental discharge of automatic cooking protection systems
Spoilage of refrigerated property in the event of a power failure
Back-up of sewers and drains
Computers and media
Employee dishonesty
Seasonal increase of business personal property limit of insurance
Credit card slips
Fine arts
Extra expense insurance
Outdoor signs
Additional insured


Wide range of deductibles

Get and agent who is dedicated to protecting New Hampshire restaurants

Some agents work with one carrier and their goal is to sell that carrier’s products.

But we’re brokers and the difference of a broker is that our goal is to find the best fit for your cost and insurance coverage needs.  We don’t work for one carrier. We work for you and compare quality options from a group of select carriers.


With a Davis & Towle Insurance broker like Jeff Reardon, you get a local agent who works for you – not the carrier. 

Contact Jeffrey S Reardon, AAI

Direct: 603-715-9746 | Office: 603-225-6611 | Cell: 603-455-9041 | jreardon@DavisTowle.com

Elligible Operations

Restaurants – full or limited cooking
Fast Food or Quick Service Restaurants
Cafeteria Style – Buffet
Catering Services – Banquet Hall
Concession Stands/Snack Bars
Convenience Stores with Gas Sales (unlimited pumps and attended gas stations open 24 hours)
Delicatessens and Sandwich Shops
Drive-In/Service in Car
Ethnic Restaurants
Family Restaurants
Fine Dining Restaurants
Hamburger/Hotdog/Malt Shops/Donut Shops
Ice Cream Parlors
Pizza Shops
Take Out Only (no on-premise food consumption)
Company or franchise-owned restaurants

Family, casual, or fine dining restaurants
Fast-casual or quick-service restaurants
Food management contractors

Independently owned or chain restaurants

Restaurant Industry Resources
U.S. Food and Drug Administration’s Model Food Code. This set of guidelines provides a list of best practices for keeping restaurants free from foodborne illnesses. Download Here

Does your restaurant want to serve liquor in NH? Learn more here:

Request a Quote: Confirm the best route for your business’ bottom line and coverage needs.

  • This field is for validation purposes and should be left unchanged.

We make quoting an efficient process and only collect the information we need to determine whether we can improve the cost or coverage of your current insurance program. Whether you’re a client of ours or not, we would recommend a review of your options at least every 2 years. It keeps the carriers competitive, agents honest, and your best interest at the forefront.