Food and Beverage Business Insurance

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Some of our trusted insurance carriers: Liberty Mutual, Travelers, The Hartford, CNA, Hiscox, Chubb, and Philadelphia Insurance Companies
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Insureon can save you time and money with industry-leading technology that compares multiple food and beverage insurance policies online from top U.S. carriers.
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Work with food industry insurance experts

We know food and beverage service insurance. Our agents specialize in the specific coverage needs of businesses in your industry across the United States.

Common policies for food service professionals

Finding the right insurance can be the difference between keeping your doors open and ceasing operations. Insureon has helped food and beverage service business owners secure more than 5,000 policies.

Not sure which policies you need?
Use our Policy Buddy.

Business owner’s policy icon

Business owner’s policy

Coverage bundles property insurance and general liability insurance under one plan. Our most popular policy for food and beverage businesses.
BEST FOR
  • Customer injury.
  • Protecting business property.
  • Business interruption incidents.
Learn About Business Owner’s PolicyLearn More
Workers’ compensation insurance icon

Workers’ compensation insurance

Required for restaurants and bars with employees in almost every state. Workers’ comp can help pay for medical fees and lost wages for workplace injuries.
BEST FOR
  • Employee injury protection.
  • Some employee medical expenses.
  • Legal costs.
Learn About Workers’ CompLearn More
Liquor liability insurance icon

Liquor liability insurance

Coverage for legal fees, settlements, and medical costs if alcohol is served or sold to a visibly intoxicated person who then harms others.
BEST FOR
  • Assault and battery coverage.
  • Employee coverage.
  • Legal defense costs.
Learn About Liquor LiabilityLearn More
General liability insurance icon

General liability insurance

Coverage for common food and beverage service business risks, including bodily injury, customer property damage, and advertising injury. Required for most commercial leases.
BEST FOR
  • Slip-and-fall accidents.
  • Damaged customer property.
  • Libel or slander lawsuits.
Learn About General LiabilityLearn More

Looking for different coverage? See all policies.

How much does insurance cost for food and beverage businesses?

Food and beverage business insurance cost estimates

Several factors will have an impact on insurance costs, including:

  • Food and drink services offered.
  • Business equipment and property.
  • Revenue.
  • Location.
  • Number of employees.
View CostsView Costs

What our customers are saying

I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!
Jessica Shannon
Customer since 2016
My representative was FANTASTIC with his follow-up.
David Dunavin
Customer since 2017
Great service, would recommend over and over!
Ronda Closner
Customer since 2017
Really fantastic service and follow-up. Didn’t feel pressured, felt like they were interested in my business.
Ben Warga
Customer since 2016
Fast and friendly!
Cate Schmautz
Customer since 2017
Received confirmation of insurance on the spot! Great coverage, as well.
Ariana Cason
Customer since 2017
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