Restaurant insurance specialists
Insurance for the restaurant industry.
Built on 35+ years of restaurant ownership, we help owners find coverage that fits the way their operation actually runs.
Serving: Arizona, Florida, Illinois, Indiana, Iowa, Minnesota, Mississippi, Texas, Wisconsin
Your Illinois operation
Insurance Built for Illinois Restaurants, Bars & Caterers
We only insure food and hospitality businesses. Start with the coverage you need most:
Liquor Liability Insurance
Required for Illinois retail licenses for on-premises alcohol sales. Helps protect you when a guest you served causes harm.
Caterer Insurance
Liability, liquor, auto and equipment for off-site events, plus same-day venue certificates.
Illinois Dram Shop Insurance
What the Dram Shop Act means for you and the 2026 liability limits.
Operator perspective
We see the blind spots before they become problems.
Restaurants live on tight margins, busy shifts and fast decisions. E&A helps owners think through the coverage that supports the way they actually operate.
Meet E&A
A practical way forward
Bring the operation into focus.
Know the operation
We start with the details that shape real risk, from service style to leased space and liquor exposure.
Find the blind spots
We help you think beyond the standard policy list, so a small gap does not become a large interruption.
Place the right coverage
Get clear guidance on a coverage approach built around the restaurant, bar or food business.
What we protect
Coverage built around the way you operate.
General liability
Protection for the everyday exposures that come with welcoming customers in.
Liquor liability
Important consideration for bars, taverns and restaurants serving alcohol.
Property & interruption
Support for the equipment, space and income your operation depends on.
Workers compensation
Coverage shaped around the people who keep every shift moving.
Ready when you are
Let’s talk about the operation you’ve built.
Start with a free quote request, or call 847-651-3834.