Restaurant Insurance
Specialized coverage for restaurants, cafes, food trucks, and catering businesses — protecting everything from the kitchen to the front of house.
What's Covered
Restaurant Coverage Options
General Liability
Covers slip-and-fall injuries, food-related illness claims, and other third-party bodily injury or property damage claims.
Liquor Liability
Essential for any establishment serving alcohol — covers claims arising from incidents involving intoxicated patrons.
Commercial Property
Covers your building, kitchen equipment, furniture, and inventory from fire, theft, water damage, and more.
Business Interruption
Covers lost revenue and ongoing expenses if a fire, equipment failure, or other covered event forces you to close temporarily.
Equipment Breakdown
Covers costly repairs or replacement of commercial kitchen equipment — refrigerators, ovens, fryers — when they break down.
Workers' Compensation
Required for restaurants with employees — covers medical expenses and lost wages for staff injured on the job.
Commercial Auto
Covers vehicles used for catering, delivery, or food truck operations with proper commercial liability.
Food Spoilage
Covers the cost of food inventory lost due to a power outage, equipment breakdown, or other covered event.
FAQ
Common Questions
Do I need liquor liability even if I only serve beer and wine?
Yes. Any restaurant that serves any form of alcohol — beer, wine, or spirits — faces dram shop liability exposure. Liquor liability coverage is strongly recommended and may be required by your lease or local licensing authority.
What is the difference between a BOP and a restaurant package policy?
A standard BOP may not include restaurant-specific coverages like liquor liability, food spoilage, or equipment breakdown. A restaurant package policy is tailored to the food service industry and typically bundles these critical coverages.
How much does restaurant insurance cost?
Costs vary based on your revenue, seating capacity, whether you serve alcohol, and your claims history. Small restaurant packages typically start around $2,000–$5,000 per year. We'll shop the market to find the most competitive rate.
Do food trucks need restaurant insurance?
Yes — food trucks have unique coverage needs including commercial auto, general liability, equipment breakdown, and sometimes product liability. We specialize in placing coverage for food trucks and mobile food vendors.
Protect your restaurant from every angle
We specialize in placing competitive restaurant insurance packages for all types of food service businesses.