Morrow Insurance

Who we are
An independent insurance agency based in Western North Carolina that works with multiple carriers to build custom insurance programs for clients.

How we help restaurants
We design insurance programs that protect your location, your people, and your cash flow, while making it easier to meet landlord and vendor requirements.

What we typically cover for restaurants
Property and equipment
Building and tenant improvements, kitchen equipment, signs, outdoor dining areas
Business income
Lost revenue after a covered shutdown, plus extra expense to reopen faster
General liability
Slip and falls, food related claims, premises liability, liquor liability when needed
Workers compensation
Coverage for your team, plus help keeping claims and costs under control
Auto exposures
Hired and non owned auto for deliveries, catering, and employees driving for work
Umbrella
Extra limits above liability policies for larger claims
Cyber
POS and payment card exposure, ransomware, social engineering and invoice fraud
Employee practices
Optional EPLI for harassment, discrimination, wrongful termination allegations
Crime
Employee theft, money and securities, and related losses

Why an independent agency matters
We shop the market, compare terms, and negotiate coverage so you are not locked into one carrier.

Next step
Send your current dec pages and any lease or vendor insurance requirements and we will provide a clear side by side review with recommendations.