"The Panos Agency provided broader coverage and
saved us over 35% on our insurance"
State Bird Provisions

Restaurants operate on slim margins and over and over we hear how happy our clients are that they had the proper coverage when they needed it. Panos has made the restaurant and hospitality industry a top priority and we know and understand your needs - and risks - from the inside out.

From buildout problems, kitchen accidents and food contamination to fires, water damage, inebriated patrons, workers disability, landlord indemnity and more; we can help you select the best coverage for your specific type of restaurant business. And usually - as clients such as State Bird Provisions, Gary Danko, Benu, Farmer Brown, Sweet Jane, Trattoria Contadina, Bun Me and Dosa have found - at substantial savings thanks to our special ranking as one of the few “Elite” agencies in California offering preferred pricing for Farmers Insurance.


Employment Practices Liability Coverage - An Insurance Game Changer

In recent years, San Francisco and Bay Area restaurants have seen a surge in claims and litigation involving allegations of discrimination of various kinds. Employment Practices Liability Insurance (EPLI) covers you against claims by employees, former employees and employment candidates (including seasonal and contract employees) regarding:

• Discrimination
• Sexual Harassment
• Wrongful Termination & Retaliation
• Infliction of Emotional Distress
• Breach of Employment Contract
• Family Medical Leave Act

Many of our clients say that this coverage alone makes Panos Agency the best and most complete choice for insuring their long term success.

Cost is surprisingly affordable considering the huge impact that uninsured legal fees can have on your bottom line. Available protection ranges from $100,000 to $1,000,000 (with different self retention amounts) and Standard Packages cover legal expenses involved in defending against claims and lawsuits related to employment regardless of the verdict outcome! EPLI also provides for indemnification if the case is settled and our Preferred Package protects you against 3rd party allegations as well.

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