Food and Beverage Business Insurance

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Professions we insure:

Bakeries

Banquet halls

Bars Caterers Coffee shops and cafes Delis Food trucks Food vendors

Nightclubs

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

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 medical bills 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 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

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

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Custom programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant

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