Food and Beverage Business Insurance

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Recommended food and beverage business insurance policies

Business insurance can help you keep your doors open despite an injury, kitchen fire, or lawsuit. Insureon helps food and beverage businesses find the policies that match your unique risks.

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance in one plan. It’s often the most cost-effective type of business insurance for bars and restaurants.

BEST FOR

Customer injuries
Damaged business property
Business interruption incidents

Workers’ compensation insurance

Workers’ comp is required in almost every state for restaurants and bars with employees. It can help pay medical costs and lost wages for workplace injuries.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

General liability insurance

This policy covers the most common food and beverage business risks, including customer injury and customer property damage. It’s required for most commercial leases.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Commercial auto insurance

This policy covers legal costs and property damage in an accident involving your business vehicle. It also covers vehicle theft and vandalism.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Repairs due to vandalism or weather

Liquor liability insurance

This policy covers legal fees, settlements, and medical costs if your restaurant or bar serves alcohol to someone who then harms others or damages property.

BEST FOR

Injuries caused by intoxicated patrons
Property damage caused by intoxicated patrons
Legal defense costs

Looking for different coverage? See more policies.

How much does food and beverage business insurance cost?

Owner of a food and beverage business calculating costs.

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

Type of food and beverage business
Business equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

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