Business Insurance for Restaurants

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Without insurance, a minor incident at your restaurant could turn into a catastrophe. Policies designed for restaurants protect against food poisoning, kitchen fires, and other risks your business faces each day.
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One application, multiple quotes

Insureon helps restaurant owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do restaurants need?

These policies provide coverage for the most common risks restaurants 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.
BEST FOR
  • Customer injuries
  • Damaged business 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.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
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.

BEST FOR
  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
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.
BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for restaurants?

Woman calculating costs in front of box of food and drink.

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

  • Restaurant equipment and property
  • Services offered by your restaurant
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
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Customer since 2016
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Why do restaurants need insurance?

A power outage that destroys your inventory, a claim of food poisoning, or a chef's injury could affect even the best prepared restaurant. Because the cost of a lawsuit or other unexpected incident can potentially devastate your restaurant, it's better to obtain insurance rather than gamble with exposure to risks.
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