Business Insurance for Fast Food Restaurants

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Restaurant - Fast Food
Menu at a fast food restaurant.
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Save money by comparing insurance quotes for fast food restaurants

Whether you’re an independent business owner or a franchisee, small business insurance helps your fast food restaurant recover from fires, lawsuits, injuries, and other risks.

Fast food worker behind a counter.
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Multiple quotes with one application

Insureon helps fast food restaurant owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do fast food restaurants need? 

These policies provide coverage for common fast food restaurant risks. 
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance under one plan. It’s often one of the most economical options for fast food restaurant owners.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
General liability insurance icon

General liability insurance

This policy covers common risks, including customer injuries at your restaurant, customer property damage, and advertising injuries. It’s required for most commercial leases.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your restaurant’s vehicle. It also covers damage to a vehicle caused by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do fast food restaurants need business insurance? 

Fast food restaurant owners face risks each day, from kitchen fires to accusations of food poisoning. Business insurance gives you the financial protection you need to survive accident and lawsuits. Additionally, some policies may be required by your franchisor, landlord, and state laws.

How much does business insurance cost for restaurants?

Owner of a food and beverage business calculating costs.

Restaurant insurance costs are based on the specifics of your small business, including:

  • Restaurant equipment and property
  • Services offered by your restaurant
  • Revenue
  • Location
  • Number of employees
View Restaurant Insurance Costs
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Restaurant - Fast Food