Bobby Friel
Partner, Direct Insurance Services
Restaurant Insurance Risk Calculator
Find the coverage gaps that could close your doors in 60 seconds
Most restaurant owners don't realize they have coverage gaps until a claim is denied or their liquor license is at risk. This free assessment identifies common exposures in your general liability, liquor liability, business interruption, equipment breakdown, and delivery operations. No email required. No sales pressure. Just 10 questions and specific findings about where your policy may be exposing you.
What You'll Get
In 60 seconds, you'll receive a personalized report showing:
Your Risk Score
A numerical score from 0–10 showing your overall coverage exposure, color-coded for severity.
Specific Coverage Gaps
We identify the exact shortfalls in your GL, liquor liability, BI, and delivery coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
75%
of restaurants that close after major loss without adequate BI coverage never reopen
$291K+
average revenue loss during a typical restaurant fire closure
60%
of restaurant GL policies exclude alcohol-related claims
Based on policy reviews by Direct Insurance Services across 29 states.
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