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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
Most states require workers' comp for restaurants and bars that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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?
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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