General Liability
Protect your restaurant from third-party bodily injury and property damage claims, including slip-and-fall incidents on your premises. Essential coverage for every dining establishment in Charleston.
Charleston's thriving food scene — from King Street bistros to waterfront dining — comes with real risks. Soma delivers purpose-built restaurant insurance covering general liability, liquor liability, food spoilage, and property damage. One fast application connects you with top-rated specialty carriers, so your Charleston restaurant stays protected without the wait.
Comprehensive coverage options purpose-built for Charleston restaurants, bars, and hospitality businesses of every size.
Protect your restaurant from third-party bodily injury and property damage claims, including slip-and-fall incidents on your premises. Essential coverage for every dining establishment in Charleston.
Dram shop coverage protecting your restaurant against third-party claims arising from alcohol service. Critical for any Charleston establishment with a beer and wine license or full bar.
Coverage for your building, kitchen equipment, furnishings, and fixtures against fire, theft, and storm damage — including hurricane risks common along the South Carolina coast.
Reimburses inventory losses triggered by equipment failure or power outages, safeguarding the fresh seafood and perishable ingredients that define Charleston's world-class restaurant scene.
Replaces lost revenue when your restaurant is forced to close due to a covered event, keeping your business financially stable while repairs or recovery are underway.
A comprehensive bundled program covering every hospitality exposure — guest injury, event coverage, hired auto, and more — designed for restaurants, bars, and mixed-use venues.
Charleston's restaurant industry faces unique challenges — from coastal storm exposure and high tourist foot traffic to strict South Carolina liquor liability regulations. Soma replaces the traditional broker experience with a smarter, faster approach. One application connects your restaurant with top specialty carriers like Markel, Nationwide, and Liberty Mutual, delivering comprehensive coverage at the right price without weeks of waiting or chasing brokers.
See how Charleston restaurant owners secured fast, affordable coverage through Soma's specialty market relationships.
Soma is built differently — faster quotes, smarter risk analysis, and specialty carrier access that standard brokers can't match.
We place restaurant risks through Markel, Nationwide, and Liberty Mutual — carriers with proven appetite for hospitality.
One application gets your Charleston restaurant quoted fast — no waiting weeks or chasing brokers for answers.
We specialize in placing coverage others won't — including restaurants with prior claims or complex Charleston mixed-use venues.
Our Risk Management Team analyzes your specific restaurant operations and finds the right coverage at the right price.
Experienced insurance specialists dedicated to protecting your restaurant business.
Soma is the fastest and most reliable insurance brokerage for complex businesses — including Charleston's dynamic restaurant and hospitality sector. Our Risk Management Team has processed thousands of businesses across the hospitality industry, taking time to understand each operation before acting fast to secure competitive coverage. Charleston's food and beverage scene is booming, from the historic French Quarter to the burgeoning Park Circle dining corridor, and Soma's specialists understand the unique liability landscape, coastal property exposures, and liquor regulations that SC restaurant owners navigate every day. We partner with hundreds of carriers — including Chubb, Markel, Nationwide, and Liberty Mutual — so your restaurant gets the right coverage at the right price through a seamless, single-application experience.
Most Charleston restaurants need general liability, commercial property, liquor liability (if serving alcohol), workers' compensation, and food spoilage coverage. Given South Carolina's coastal weather risks and active tourism scene, business interruption insurance is also strongly recommended to protect revenue during unexpected closures or storm-related disruptions.
Talk to a Soma specialist for a fast, no-obligation consultation tailored to your Charleston restaurant.
Soma provides restaurant insurance to dining establishments across Charleston and the surrounding South Carolina Lowcountry.
Greater Charleston
Service Area
Fast Same-Day Quotes
Availability
100+ Top Carriers
Carrier Network
Contact Soma today to confirm coverage availability in your area and get a fast quote.
Placing hard-to-insure hospitality risks with top carriers
Recognized for trust and integrity in insurance brokerage
Expert team with proven track record across thousands of businesses
Complete one simple application and our Risk Management Team will analyze your restaurant's specific exposures and connect you with the best-fit coverage from our network of top-rated specialty carriers — fast, affordable, and built for your operation.