Restaurant & Hospitality Insurance

We’re the definitive choice for the service industry when it comes to tailored coverages and industry specific experience.

Industry Leading Insurance Coverages for Restaurants

  • Customized programs
  • Prompt claims handlings
  • Exceptional customer service

Did you know 75% of businesses in the U.S are underinsured*

*Based on a study by research firm Marshall & Swift/Boeckh

At LSB, we create specialized programs designed to deliver the highest quality insurance programs at a low cost, supported by a team committed to serving restaurant & hospitality businesses.

Our Clients Include:

  • Full-Service Restaurants
  • Fine Dining Facilities
  • Bar & Grills
  • Cafes/Coffee Shops
  • Catering
  • Quick Service
  • Fast Food Franchises

We offer the coverage you expect:

  • Spoilage, contamination, and recall
  • Employment Practices Liability Insurance (EPLI)
  • Cyber Liability

Plus the stuff you might not expect:

  • Loss due to action by civil authority
  • Coverage for loss of business income resulting from violent acts on premise
  • Water damage resulting from sewer/drain backup
  • Outdoor property includes coverage for common occurrences such as wind, vandalism, theft and vehicle damage and damages to outdoor signs
  • Customer expense reimbursement coverage to protect your image and reimburse your customers for additional expenses when prearranged products or services cannot be honored due to a covered cause of loss or damage to the premises
  • Damages to outdoor signs

St. Kilda

As the owners of seven LLC’s, multiple cars, and personal property, Jed and his team are an invaluable asset. They are very organized, reliable, extremely quick to respond, they follow through with taking care of any issues, and they always have our best interest. For example, finding the best rates possible and shopping around our policies.

- Alex Hall

Orchestrate Hospitality

Lincoln Savings Bank has been more than a bank for us, they have been a partner. Our experience with both the lending division and the banking division has been one of the best customer service experiences we have found. Not just from a bank, but from any vendor. Lincoln Savings Bank has a sincere interest in our long-term success.

- Paul Rottenberg

Restaurant & Hospitality Industry Expert

Jed Gammell

Jed Gammell

Property & Casualty Consultant | Vice President
(515) 327-9923
Des Moines, IA
View more about Jed Gammell