Food and Beverage Business Insurance

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Bakeries Bars Caterers Coffee shops and cafes Delis Food trucks Food vendors Restaurants

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Common food and beverage business insurance policies

Business insurance can help you keep your doors open despite an injury, kitchen fire, or other incident. Insureon has helped restaurant owners secure more than 5,000 policies.

Business owner’s policy

This policy bundles property insurance and general liability insurance under 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 fees and lost wages for workplace injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Liquor liability insurance

This policy covers legal fees, settlements, and medical costs if alcohol is served or sold to a visibly intoxicated person who then harms others or damages property.

BEST FOR

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

Looking for different coverage? See more policies.

How much does food and beverage business insurance cost?

Woman calculating costs in front of box of food and drink.

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

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What our customers are saying

"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."

Ben Warga

Customer since 2016

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