Business Insurance for Restaurants

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Does your restaurant need insurance? 

Without insurance, a minor incident could turn into a financial disaster. Policies designed for restaurant owners protect your small business from common risks. You can find coverage for food spoilage, kitchen fires, and other costly issues restaurants may face.
Waiter serving dinner at restaurant.
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Add restaurant insurance to your risk management plan

Whether you run a fast food spot or a fine dining establishment, no restaurant business is immune from risk.

An equipment breakdown, a claim of foodborne illness, or a chef's injury can happen at any restaurant. And the resulting loss of income or cost of a lawsuit can hurt your bottom line – or even force you to close.

Restaurant insurance can't prevent these incidents, but it will reduce your risk from the fallout.

What is the right insurance coverage for your restaurant?

These types of insurance provide coverage for the most common risks businesses in the restaurant industry face.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. It’s one of the most popular and cost-effective options for a restaurant.
  • Food contamination and spoilage
  • Damaged commercial property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for restaurants with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.

  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

This insurance provides liability coverage and financial protection from risks that arise from common business situations.
  • Customer bodily injuries
  • Damaged customer property
  • Product liability lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of accidents involving restaurant delivery vehicles, as well as the cost of vehicle damage from theft and vandalism.

  • Medical bills from accidents
  • Property damage from accidents
  • Vehicle damage from theft and vandalism
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a restaurant to a visibly intoxicated person who then harms others.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Looking for different coverage? See more policies.

Does business insurance protect restaurants against losses related to the coronavirus (COVID-19?)

Most business insurance policies exclude communicable disease coverage. Even if your restaurant has business interruption insurance, the disruption must usually be tied to a commercial property / business owner's policy claim to apply.

If you think your restaurant might be eligible for a claim, contact your insurance company's claims department. Read more about business insurance and the coronavirus.

How much does restaurant insurance cost?

Owner of a food and beverage business calculating costs.

Monthly restaurant insurance costs are based on your particular 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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