Food and Beverage Business Insurance

Compare multiple quotes from top carriers with one application.
Bar area with a selection of drinks.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies
Compare insurance quotes icon

Compare quotes from trusted U.S. carriers

Insureon helps food and beverage professionals compare insurance quotes from top U.S. carriers online. It’s free, and only takes 15 minutes.

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 icon

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 icon

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 icon

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 icon

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 icon

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
View Costs
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
Insureon customer reviews on Feefo
Compare food service business insurance quotes
Save money by comparing insurance quotes from multiple carriers.