01
Research Your Business
Understand your market, your customers, and your competition before you invest a dollar.
Free Guide for Restaurant Owners
The Restaurant Owner's Risk & Success Guide
6 things every restaurant owner should think about to protect and grow their business.
Whether you're opening your first restaurant or have been operating for years, this guide will help you identify important areas of your business that deserve a closer look.
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What's Inside
Six areas that shape whether a restaurant survives or scales.
02
Build Your Business Plan
Strategy, market analysis, structure, and short-, mid-, and long-term goals in one roadmap.
03
Design Your Financial Plan
Banking, funding, cost control, and realistic revenue and expense projections.
04
Protect Your Restaurant
The coverage lines restaurants actually need — and the gaps generic programs leave open.
05
Legal & Tax Considerations
Entity structure, licensing, leases, and the tax questions worth asking early.
06
Marketing & Growth
Reaching the right guests through the right channels — and measuring what works.
Why FRi Created This Guide
Restaurant insurance should be built around how restaurants actually operate.
Restaurants run on thin margins, long hours, delivery drivers, liquor service, hot kitchens, and refrigerated inventory. Standard business insurance programs are rarely designed for any of that — which is how gaps quietly end up in a policy. These are the areas we look at with every operator we work with:
- Property
- Business Income
- Equipment Breakdown
- Food Spoilage
- General Liability
- Liquor Liability
- Workers' Compensation
- Employment Practices
- Cyber / POS Exposure
- Delivery & Auto Exposure
- Umbrella / Excess Liability
- Lease Insurance Requirements
If any of these are unfamiliar — or you're not sure how they're handled in your current program — that's worth a closer look.
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