Smart Insurance for Pennsylvania's Best Restaurants and Bars

Protecting
Pennsylvania's
Pour

Phone: 484-388-4400

Email: pour@tregoinsurance.com

1100 Berkshire Blvd., STE 205,
Wyomissing, PA. 19610

Whether you're opening your first location or expanding to your fifth, we'll make sure you're protected every step of the way.

Let's Talk About Your Coverage

Harford
Mutual

Goodville
Mutual

Traveler's
Insurance

Keystone
National

Philadelphia Insurance

Hospitality
Mutual Insurance

Penn National Insurance

Liberty
Mutual

Donegal
Insurance

Illinois Casualty Company

We've built relationships with the best carriers in hospitality insurance. That means better coverage options and competitive pricing for you.

Backed by industry-leading carriers.

Ready to get this level of service for your business?

"He asked all the right, very detailed, and at times very intense questions about everything we do to give us the proper insurance we needed. Besides the attention to detail, the constant communication from Steve and his team—they are the only people I deal with that I don't have to follow up with."

Frank Orman
President/CEO, Reading Coffee Company
Berks County, PA

35+ years in specialty coffee, wine importing, retail, and production
2024 Keystone Agency of the Year

as a partner of Keystone Insurance Group

Free Risk Management Services

accross the Mid-Atlantic

5 states and
growing

in the industry

80+ years combined experience

specializing in hospitality

40+ insurance carriers
Bars and taverns • Restaurants of all types • Breweries and distilleries • Nightclubs • Social clubs • Caterers • Retail liquor stores • Wineries and wholesalers • Hotels and motels with restaurants • Bed & breakfasts • Special event venues • Beer gardens • BYOB establishments • Music venues

We've focused our expertise on the hospitality industry, and we know it inside and out.

We speak hospitality.

Why Pennsylvania’s best restaurants choose Trego insurance.

Unlike generic online providers, we cover everything your hospitality business needs under one roof with warm, personalized service—from general liability and property coverage to specialized policies like liquor liability, workers compensation, equipment breakdown, cyber liability, and employment practices liability.

Breadth of Opportunity to Serve

Ready to talk?

Hear from Eric, Frank, and Dan about what it's like working with an insurance agency that actually understands restaurants.

Three owners. One insurance partner.

"This is where specialized expertise matters. Because ambitious restaurant owners need more than a policy; they need a partner who understands hospitality."

Your landlord requires specific minimum coverage; but are you actually meeting those requirements? Is your expensive kitchen equipment properly valued, or are you significantly underinsured? Beyond property, another big exposure often comes from what you least expect: employment practices liability. Discrimination claims, harassment allegations, and employee-related lawsuits can devastate a business financially and emotionally.The worst scenario isn't paying too much for insurance - it's paying for coverage that fails when you need it most.
Why "Good Enough"
Insurance Isn't Good Enough
If you serve alcohol, liquor liability is critical—but not all policies are created equal. Here's what most restaurant owners don't know: many policies have aggregate limits, meaning one significant claim can exhaust your entire year's coverage. Standard policies may exclude critical scenarios you assume are covered. And the cost can vary dramatically depending on who's underwriting your policy. The difference between the right liquor liability coverage and the wrong one could be the difference between recovering from an incident and closing your doors.
The Liquor
Liability Trap
You bought a policy. You're covered, right? Not necessarily. Generic business insurance often misses the unique exposures that hospitality businesses face every day. Equipment breakdown during your busiest season. Thousands of dollars in spoiled inventory when power fails for three days. Employee theft from cash bars. Assault and battery incidents that standard policies exclude. These scenarios happen to restaurant owners who discover their coverage gaps only when filing a claim.
Coverage Gaps You Didn't Know Existed

Most restaurant owners don't think much about insurance until something goes wrong. By then, it's too late to realize your coverage has gaps that could devastate your business.

Common pains restaurants face with their insurance policies.

"For the restaurant business, liability and liquor liability isn't just a requirement—you have to be very specific. Not only to ensure you're being covered in the appropriate fashion, but that it fits your budget."

ERIC ARIZMENDI
Owner, Comalli Taqueria

Three different restaurants. Three different stories. One shared insurance partner.

Smart Insurance for Pennsylvania's Best Restaurants and Bars

Protecting
Pennsylvania's
Pour

Phone: 484-388-4400

Email: pour@tregoinsurance.com

1100 Berkshire Blvd., STE 205,
Wyomissing, PA. 19610

Whether you're opening your first location or expanding to your fifth, we'll make sure you're protected every step of the way.

Let's Talk About Your Coverage

Harford
Mutual

Goodville
Mutual

Traveler's
Insurance

Keystone
National

Philadelphia Insurance

Hospitality
Mutual Insurance

Penn National Insurance

Liberty
Mutual

Donegal
Insurance

Illinois Casualty Company

We've built relationships with the best carriers in hospitality insurance. That means better coverage options and competitive pricing for you.

Backed by industry-leading carriers.

Ready to get this level of service for your business?

"He asked all the right, very detailed, and at times very intense questions about everything we do to give us the proper insurance we needed. Besides the attention to detail, the constant communication from Steve and his team—they are the only people I deal with that I don't have to follow up with."

Frank Orman
President/CEO, Reading Coffee Company
Berks County, PA

35+ years in specialty coffee, wine importing, retail, and production
2024 Keystone Agency of the Year

as a partner of Keystone Insurance Group

Free Risk Management Services

accross the Mid-Atlantic

5 states and
growing

in the industry

80+ years combined experience

specializing in hospitality

40+ insurance carriers
Bars and taverns • Restaurants of all types • Breweries and distilleries • Nightclubs • Social clubs • Caterers • Retail liquor stores • Wineries and wholesalers • Hotels and motels with restaurants • Bed & breakfasts • Special event venues • Beer gardens • BYOB establishments • Music venues

We've focused our expertise on the hospitality industry, and we know it inside and out.

We speak hospitality.

Why Pennsylvania’s best restaurants choose Trego insurance.

Unlike generic online providers, we cover everything your hospitality business needs under one roof with warm, personalized service—from general liability and property coverage to specialized policies like liquor liability, workers compensation, equipment breakdown, cyber liability, and employment practices liability.

Breadth of Opportunity to Serve

Ready to talk?

Hear from Eric, Frank, and Dan about what it's like working with an insurance agency that actually understands restaurants.

Three owners. One insurance partner.

"This is where specialized expertise matters. Because ambitious restaurant owners need more than a policy; they need a partner who understands hospitality."

Your landlord requires specific minimum coverage; but are you actually meeting those requirements? Is your expensive kitchen equipment properly valued, or are you significantly underinsured? Beyond property, another big exposure often comes from what you least expect: employment practices liability. Discrimination claims, harassment allegations, and employee-related lawsuits can devastate a business financially and emotionally.The worst scenario isn't paying too much for insurance - it's paying for coverage that fails when you need it most.
Why "Good Enough"
Insurance Isn't Good Enough
If you serve alcohol, liquor liability is critical—but not all policies are created equal. Here's what most restaurant owners don't know: many policies have aggregate limits, meaning one significant claim can exhaust your entire year's coverage. Standard policies may exclude critical scenarios you assume are covered. And the cost can vary dramatically depending on who's underwriting your policy. The difference between the right liquor liability coverage and the wrong one could be the difference between recovering from an incident and closing your doors.
The Liquor
Liability Trap
You bought a policy. You're covered, right? Not necessarily. Generic business insurance often misses the unique exposures that hospitality businesses face every day. Equipment breakdown during your busiest season. Thousands of dollars in spoiled inventory when power fails for three days. Employee theft from cash bars. Assault and battery incidents that standard policies exclude. These scenarios happen to restaurant owners who discover their coverage gaps only when filing a claim.
Coverage Gaps You Didn't Know Existed

Most restaurant owners don't think much about insurance until something goes wrong. By then, it's too late to realize your coverage has gaps that could devastate your business.

Common pains restaurants face with their insurance policies.

"For the restaurant business, liability and liquor liability isn't just a requirement—you have to be very specific. Not only to ensure you're being covered in the appropriate fashion, but that it fits your budget."

ERIC ARIZMENDI
Owner, Comalli Taqueria

Three different restaurants. Three different stories. One shared insurance partner.