Restaurant Insurance in Wyoming

Single-unit destination fine dining, 3,500 sf, 65 seats, $185 average ticket, 34 staff, Retail Liquor License, premium wine and game-meat program. Operator came to us at renewal of an existing program from a prior broker. The renewal program carried forward a lost-income coverage figure calibrated to annual-average revenue — the prior program had been bound off the previous dec page across several renewal cycles without anyone re-scoping the figure against Jackson's two-peak seasonal reality. A peak-season kitchen fire then drove a multi-week partial closure; the claim severity ran well above an off-peak equivalent because it overlapped peak revenue, and the rebuild extended into shoulder season — leaving a recovery-timeline gap the generic annual-average figure never anticipated.

We re-read the operator profile on video — lost-income coverage sized to actual two-peak seasonal revenue concentration, an extended-period-of-indemnity provision addressing season misalignment, equipment-breakdown coverage scoped to outstate-Wyoming contractor availability, and Retail Liquor License quota-corridor asset-value protection. We rebuilt the program to put the actual seasonal cycle at the center.

Cocktail bar plus small plates, 2,400 sf, 70 seats plus 14-seat bar, $42 average ticket, 20 staff at peak season, Retail Liquor License, late-hour ski-season operation. Operator came to us at lease signing on a new Teton Village location. The standard restaurant package the operator was about to bind carried generic liquor liability and no Employer's Liability stop-gap behind the Wyoming Workers' Safety and Compensation Division coverage — the generic package treated the monopolistic framework as a single line item. A late-hours patron served during a ski-season peak weekend was ejected and later sustained an off-premises winter-condition injury; the generic-package alternative would have left both the dram-shop defense and the stop-gap exposure unscoped.

We re-read the operator's documentation discipline on video before binding — server-training cadence, refusal-of-service incident protocol, the knowledge-element and proximate-cause defense Wyoming's restrictive dram-shop framework rewards, and the Employer's Liability stop-gap layer wrapping the Division coverage. We rebuilt the program with the restrictive-framework defense documented and the stop-gap layer in place.

Multi-unit fast casual (single of 3 in Wyoming), 1,800 sf, 48 seats, $13 average ticket, 14 staff, no alcohol, dine-in plus takeout plus third-party delivery. Operator came to us at acquisition — taking over a 3-unit Wyoming chain from previous ownership. The acquired program from the previous broker carried generic general liability across all 3 units and an EPLI scope written to a 15-employee federal threshold. A Frontier Days peak-week multi-claimant slip-and-fall hit one Cheyenne unit during a five-to-eight-times-normal trade weekend, and a concurrent discrimination claim surfaced from a former employee — exposure the federal-threshold EPLI scope had treated as out of range given the unit's headcount.

We re-read the multi-unit operator profile on video — premises liability sized to Laramie County venue patterns and Frontier Days peak-week reality, Wyo. Stat. § 1-1-109 51%-bar comparative-fault inspection-record discipline, and EPLI scoped to the Wyoming Fair Employment Practices Act 2-employee threshold rather than the federal 15-employee floor.