Business Insurance for Restaurants

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Some of our trusted insurance carriers: Liberty Mutual, Travelers, The Hartford, CNA, Hiscox, Chubb, and Philadelphia Insurance Companies

Save money by comparing restaurant insurance quotes from multiple carriers

Without small business insurance, a minor incident at your restaurant could turn into a catastrophe. Prepare for unexpected events with policies designed to address the unique risks restaurants face each day.

A customer at a restaurant with a burger and beverage.
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Insureon helps restaurants compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do restaurants need?

These policies provide coverage for the most common risks and lawsuits.

Business owner’s policy icon

Business owner’s policy

Coverage bundles property insurance and general liability insurance under one plan. It’s our most popular policy for restaurants, and often one of the most economical options.
  • Customer injury.
  • Protecting business property.
  • Business interruption incidents.
Learn About Business Owner’s PolicyLearn More
Workers’ compensation insurance icon

Workers’ compensation insurance

Required for restaurants with employees in almost every state. Workers’ comp can help pay for medical fees and lost wages due to workplace injuries.
  • Employee injury protection.
  • Some employee medical expenses.
  • Legal costs.
Learn About Workers’ CompLearn More
Liquor liability insurance icon

Liquor liability insurance

Coverage for legal fees, settlements, and medical costs if alcohol is served or sold at a restaurant to a visibly intoxicated customer who then harms others.
  • Assault and battery coverage.
  • Employee coverage.
  • Legal defense costs.
Learn About Liquor LiabilityLearn More
General liability insurance icon

General liability insurance

Coverage for common risks, including customer injuries at your restaurant, customer property damage, and advertising injury. Required for most commercial leases.
  • Slip-and-fall accidents.
  • Damaged customer property.
  • Libel or slander lawsuits.
Learn About General LiabilityLearn More

How much does restaurant insurance cost?

Food business insurance cost estimates

Several factors will have an impact on insurance costs, including:

  • Restaurant equipment and property.
  • Food and drink services offered.
  • Revenue.
  • Location.
  • Number of employees.
View CostsView Costs

What our customers are saying

I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!
My representative was FANTASTIC with his follow-up.
Great service, would recommend over and over!
Really fantastic service and follow-up. Didn’t feel pressured, felt like they were interested in my business.
Fast and friendly!
Received confirmation of insurance on the spot! Great coverage, as well.
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Why do restaurants need insurance?

Sometimes owning a restaurant can feel like a delicate balancing act. Your kitchen, employees, suppliers, and equipment all work together to create a memorable dining experience for guests. Restaurant insurance acts as a safety net for when worst-case scenarios disrupt that experience.

Even the most prepared restaurants can be affected by equipment malfunctions, food spoilage, and customer injuries. Because the costs of liability claims and property damage can potentially devastate your business, it's better to tread on the side of caution than to gamble with exposure to costly risks.

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