Restaurant
Insurance
for Owners

Who are tired of Getting Ripped Off
Let's start with your name & email
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If you own a restaurant, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help the most.

Harper is a commercial insurance brokerage that specializes in two things:

Why businesses
Choose Harper

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Better Rates on Complete Restaurant Packages

For restaurants serving alcohol, we consistently deliver 20-40% savings on comprehensive packages that bundle your liquor liability, general liability, property coverage, and workers' comp together.


Instead of paying separately for each piece (and getting gouged), you get one competitive package from carriers that actually understand restaurant risks.

We Actually Cover the "Problem" Cases

Got declined because you stay open past 2 AM? Have bouncers or security? Previous claims on your record? Most brokers see red flags and disappear. We see business realities and find solutions:
- Bars and restaurants with late-night operations
- Establishments with entertainment, DJs, or security staff
- Restaurants with previous claims or "challenging" operating history
- Multi-location concepts with complex property requirements
- Any risk that's been declined or overpriced elsewhere

Fast Turnarounds When You Need Them

We move quickly on quotes and binding. For straightforward risks, we can often provide same-day coverage when needed. For complex cases, we work efficiently to get you covered without the typical delays.

Actual Humans Who Know Restaurant Operations

Tired of filling out endless online forms and talking to chatbots? Us too. You get a direct line to a licensed broker who's actually worked with restaurants before. No AI, no automated quotes, no "one-size-fits-all" policies. We ask the right questions, understand your specific operation, and build coverage that actually makes sense for how you run your business.

Coverage Overview

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General Liability
Slip-and-fall claims, property damage
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Arlene Miles
CEO
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Jenny Watson
Product Manager
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Nathan Smith
Product Designer
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Who we work with

Straightforward Cases:
Full-service restaurants
Fast-casual chains
Coffee shops with standard operations
Complex  Cases:
Late-night bars
Establishments with entertainment/security
Restaurant with claim history
Multi-concept operations

Customer Testimonials

Three brokers told us they couldn't cover a sports bar that stays open until 2:30 AM with occasional live music. Harper had us covered in two days and saved us $3,200 a year
Bar Owner
Los Angeles
We were paying $18K a year through our old broker. Harper got us better coverage for $11K. The difference paid for new kitchen equipment
Restaurant Owner
Bay Area

Stop Overpaying.
Start Getting Covered

15-minute call with a licensed Harper broker. We'll review what you're paying now, tell you exactly whatyou need, and give you a real quote—not a runaround.Fast quotes and efficient binding for qualifying risks.Whether you're getting gouged on a standard restaurant package or you've been told "we can't coverthat," we move fast to protect what you've built.