During the recession, restaurants lost millions of customers who were cutting back on discretionary spending. Now many dining establishments are rebuilding their businesses, sometimes by trying new techniques and offering different services.

Agents who are tuned in to what these changes may mean can earn restaurant owners' trust—and repeat business—by making sure insurance coverage keeps pace with how the restaurants are actually operating. By asking the right questions at renewal time, agents can help restaurant owners identify all the proper ingredients for complete coverage.

Here are some of the trends that could put restaurants at risk and the related questions that agents should ask their restaurant customers.

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