About Restaurant Insurance Authority & Our Editorial Policy
Restaurant Insurance Authority is an independent resource for insuring restaurants, bars, food trucks, and other food-and-beverage businesses. This page explains who we are, how we produce our content, and how we are paid.
Who reviews our content
J. Robert Smith
Licensed Insurance Agent
Our insurance guidance is reviewed by J. Robert Smith, a licensed insurance agent based in Texas with more than 18 years in the industry. He reviews the site’s coverage, cost, and state-requirement content for accuracy before it publishes.
- Licensed insurance agent in 40+ states
- More than 18 years licensed
- Former Certified Insurance Counselor® (CIC)
National Producer Number: 10378680 Verify at the National Insurance Producer Registry →
What we do
Restaurant Insurance Authority helps food-and-beverage owners understand what commercial insurance they need, what it costs, and what their state requires — then connects them with a licensed independent commercial-lines agent who specializes in hospitality. We are not an insurer and we are not an insurance agency, and we do not collect policy commissions.
Our editorial standards
Commercial insurance is a “your money or your life” topic, so a content audit runs before every publish and enforces these rules automatically:
- Every statistic and cost figure is attributed to a named source, with the date we retrieved it.
- State-law data — dram-shop statutes, workers’ comp thresholds and exemptions — is sourced to the state’s own statute or regulator (a primary source), not a second-hand summary.
- When sources conflict on a legal point, we resolve it against the underlying authority or withhold the claim rather than guess.
- We make no “cheapest,” price, or discount promises, and we never take payment to feature a particular carrier.
- Carrier-specific numbers require a published rate filing; any figure we can’t tie to one is labeled an industry estimate on the page itself.
Our review and correction process
Coverage, cost, and state-requirement content is reviewed for accuracy by J. Robert Smith before it publishes, and every page shows the date it was last updated. Laws and rates change — if you spot something inaccurate or out of date, email us the page and we will correct it promptly. Reader corrections are welcome and taken seriously.
How we make money
Restaurant Insurance Authority is compensated when we refer a business owner to a licensed agent partner and, in some cases, when a policy is ultimately placed. That compensation never changes what we tell you, and we do not take payment to feature a particular carrier. You pay nothing for using this site. See our Advertiser Disclosure for the full detail.
Contact
Reach us at hello@restaurantinsuranceauthority.com or (855) 480-1410. When reporting a correction, include the page URL so we can fix it quickly.
Talk to an agent who insures food & beverage every day
A licensed commercial-lines agent who specializes in restaurants and bars will review your coverage, close the gaps that catch owners, and show you what a program actually costs — before anything is bound.