Business Insurance for Fast Food Restaurants

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Restaurant - Fast Food

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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.

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

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

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

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

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

Looking for different coverage? See more policies.

How much does fast food restaurant insurance cost?

Owner of a food and beverage business calculating 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

View Costs

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:

Complete a free online application
Compare insurance quotes and choose policies
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.

What our customers are saying

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"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."

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