Business Insurance for Fast Food Restaurants

Restaurant - Fast Food
Menu at a fast food restaurant.
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Why do fast food restaurants need business insurance?

Fast food restaurant owners face risks everyday, from kitchen fires to accusations of food poisoning. Whether you’re an independent business owner or a franchisee, small business insurance gives you the financial protection you need to survive fires, lawsuits, injuries, and other risks.

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Get same-day insurance

With Insureon, fast food restaurants can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do fast food restaurants need? 

These policies cover the most common risks of fast food restaurants.
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability coverage under one plan. A BOP is often one of the most economical options for fast food restaurant owners.

BEST FOR
  • Customer bodily injuries
  • Business property damage and theft
  • Business interruption insurance
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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
General liability insurance icon

General liability insurance

This insurance helps pay for common accidents, such as a customer who slips on a wet floor at your restaurant and breaks a wrist. It’s required for most commercial leases.

BEST FOR
  • Slip-and-fall accidents
  • Libel and other advertising injuries
  • Product liability insurance
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.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Cyber insurance icon

Cyber insurance

This policy helps fast food restaurants recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

BEST FOR
  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does fast food restaurant insurance cost?

Food and beverage business owner calculating insurance costs.

A small fast food restaurant will pay less for commercial insurance than a larger company.

Factors that affect premiums include:

  • Services offered, such as food delivery
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get fast food restaurant insurance? 

It's easy to get fast food restaurant insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your fast food restaurant, whether you work independently or hire employees.

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