Restaurant Insurance

Food spoilage, employee issues, grease fires, power outages, and unplanned problems can put a restaurant in a bind in moments.

Without the right partner you can trust to help you mitigate these risks, it could put your restaurant out of business in days.

That’s why for the Hammond Team it goes beyond selling you a policy. We assess your risk and recommend the best coverage for your situation.

Our Risk Management Process

Resolving most common issues such as:

      • Equipment Breakdown Coverage when equipment fails to replace lost income
      • Food Spoilage Insurance when refrigeration breaks or when power outages occur.
      • Food Contamination Coverage for loss income due to shutdowns and even compliance costs
      • Business Auto Insurance to assist with repairs and medical when you are responsible for the accident
      • Liquor Liability for serving intoxicated persons, violating state law or improper training cases.

As one of the top Restaurant insurance providers in the Central Virginia area, we service over 100 different Hospitality businesses. Our distinct expertise in this industry has made Hammond Insurance the go-to provider for Hospitality, Restaurant, and Bars.


  • General Liability
  • Property Insurance
  • Business Owner Policy
  • Worker’s Compensation
  • Commercial Auto

We work with

  • Restaurants
  • Bars
  • Food Trucks
  • Taverns
  • And most food industries

Hammond Advantage

  • Knowledgeable Staff with over 25 years in the Restaurant & Service Industry
  • One of the Largest selections restuarant programs to fit your needs allowing us to give you competitive rates
  • Quick Response gives you a peace of mind in a crisis situation
  • Fast Claims gets you your money fast and get your business operating again
  • Wide coverage area with 7 locations to serve you
  • Hammond insurance has been a great asset to my family and my companies. Dain and the staff have helped us get through some tough situations quite easily. Its always good to know he's only a phone call away.
    Aaron Ludwig
    Founder, Jack Brown’s Beer & Burger Joint
  • John Giavos
    Whatever type of restaurant, rental property I have or open, Hammond has had the right package for me. I’ve been with them for almost 20 years and through everything, Hammond has been there when we needed them.
    John Giavos
    Richmond Developer and Restaurateur
  • Manuel Mendez
    I consider Hammond part of our team. The restaurant knowledge matched with the array of products for this industry is astounding and invaluable.
    Manuel Mendez
    Richmond Restaurateur, Kuba Kuba, Dos, The Galley and The Little Nickel
  • Gary Crummett
    I’ve partnered with Hammond Insurance Services for over 15 years now. Whether it’s handling the administrative responsibilities with policies and certificates or showing up when there is a loss, Hammond has always been there for my company.
    Gary Crummett
    President Crummett Construction
  • Jim Riedy
    Hammond has consistently delivered superior products, service and a genuine care for my Company. I wouldn’t imagine using another agency.
    Jim Riedy
    CEO, IOTA Solutions
  • Chad Layman
    Hammond has partnered with us for almost a decade now. Their commitment to making sure we are maintaining the most competitive Work Comp and General Liability pricing has kept us competitive on our labor rates. Excellent Partner, I can’t recommend enough.
    Chad Layman
    Founder & Partner of Fine Earth