Business Insurance for Fast Food Restaurants

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Whether you’re an independent business owner or a franchisee, small business insurance gives your fast food restaurant financial protection from theft, fire, injuries, and lawsuits.

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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

Required in almost every state for fast food restaurants with employees, workers’ comp can help cover medical fees and lost wages for work-related injuries and illnesses.

  • 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.

How much does food and beverage business insurance cost?

Owner of a food and beverage business calculating costs.

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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Why do fast food restaurants need business insurance? 

Fast food restaurant owners face many risks including kitchen fires, bodily injuries, and lawsuits over spilled coffee. Business insurance can give you the financial protection you need to survive an accident, and may be required by your franchisor or landlord.

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