Complete Coverage for Your Restaurant
Liquor liability, property, workers' comp, general liability — all from one independent agent.
Pick a time — quick, no-pressure conversation.
Why Restaurant Owners Choose David
I work with restaurants and bars across Michigan. I know the risks you face and how to cover them affordably.
Restaurant Industry Experience
I understand the unique risks restaurants face — from kitchen fires to slip-and-falls to liquor liability.
Multiple Carriers
I compare quotes from 50+ carriers to find coverage that fits your restaurant's needs and budget.
Full Coverage Packages
GL, property, liquor liability, workers' comp, EPLI — I bundle everything so nothing falls through the cracks.
A Real Person When It Matters
When you have a claim at 2 AM, you want to reach a person who knows your policy — not a call center.
Coverage for Restaurants & Bars
Protect your business, your staff, and your customers with the right insurance package.
General Liability
Covers customer injuries, property damage, and legal defense costs.
Liquor Liability
Required if you serve alcohol. Covers claims arising from intoxicated patrons.
Property Insurance
Protects your building, kitchen equipment, furniture, and inventory.
Workers' Compensation
Covers employee injuries — essential in a high-risk kitchen environment.
Business Interruption
Replaces lost income if a fire, flood, or other disaster forces you to close temporarily.
About David
Hi, my name is David VanDyke, and I've lived in West Michigan my entire life. This community means the world to me, and I'm passionate about helping the people around me protect the things they love most.
Before transitioning to insurance, I spent 10 years in real estate, where I gained a deep understanding of the importance of safeguarding homes and investments. Today, I use that experience to provide tailored home and auto insurance solutions that offer peace of mind and security.
"Let's work together to protect what matters most to you."
When I'm not helping clients, I enjoy watching sports (Go Blue!), collecting fountain pens, and reading books beside a cozy fire. Most of all, I love spending time with my wife, Caroline, and our four wonderful children—Weston, August, Callum, and Charlotte. Whether it's enjoying the beauty of West Michigan or cheering on my favorite team, I'm grateful to call this place home.
Shield is an independent agency with a long track record of serving Michigan families. I'm proud to be part of those strong client relationships, and I can compare options across a broad marketplace of carriers to match coverage and budgets with confidence.
What Clients Say
Marvin Prins
" "Great price. Friendly and saved us a lot of money."
- Full coverage auto insurance
- Homeowners insurance
- RV insurance
Reply from David:
Thank you so much for this incredible 5-star review! We are delighted to hear you found the price reasonable and the service friendly. Thank you for being a valued client!
LKM Sr
" "Reasonable price. Shield Insurance was great to work with. I will recommend them to my friends and family."
- Full coverage auto insurance
- Homeowners insurance
- Boat & watercraft insurance
Reply from David:
Thank you so much for this incredible 5-star review! We are delighted to hear you found the price reasonable and that we were great to work with for your Auto, Homeowners, and Boat coverage. Knowing you'd recommend us to friends and family is the highest compliment we could receive. Thank you for being a valued client!
Ravichandran Balaraju
" "Reasonable price. Good service from David VanDyke."
- Homeowners insurance
- Auto insurance
Reply from David:
Ravichandran, thank you for the feedback. We're happy to hear you found the price reasonable and received good service for your Homeowners and Vehicle policies. We appreciate your high praise and are focused on providing a 5-star experience every time!
Trusted Insurance Partners
As an independent agency, we partner with top-rated carriers to find you the best coverage and value.
Plus 50+ additional carriers to compare for your best rate.
Frequently Asked Questions
Do I need liquor liability insurance?
Yes, if you serve alcohol. Michigan law holds you responsible for damages caused by intoxicated patrons you served.
What does restaurant insurance typically cost?
It varies based on your revenue, number of employees, and whether you serve alcohol. I compare multiple carriers to find the best rate.
Does my policy cover food spoilage?
It can. I'll make sure your property policy includes food spoilage coverage so you're protected if equipment fails.
Can you cover my food truck too?
Yes. I can set up a commercial auto and GL policy for food trucks and mobile food operations.
Get Your Restaurant Covered
15-minute call — let's make sure your restaurant has the right protection.
Prefer to reach out directly?
I typically respond within one business day.