Business Insurance for Restaurants

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Dining table in a restaurant.
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Why do restaurants need insurance?

Whether your focus is fast food or fine dining, no restaurant business is immune from risk. Policies designed for restaurant owners provide financial protection from food spoilage, kitchen fires, and other common issues.

Waiter serving dinner at restaurant.
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Add restaurant insurance to your risk management plan

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

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

What types of insurance coverage do restaurants need?

These insurance policies cover the most common risks faced by businesses in the restaurant industry.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial 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
  • Food contamination and spoilage
  • Damaged commercial property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for restaurants that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

General liability insurance

This insurance policy provides liability coverage and financial protection from common business risks, such as a customer injury at your restaurant.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Product liability lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of accidents involving any delivery trucks or other vehicles owned by your restaurant, from damage caused to another person's car to medical bills.

BEST FOR
  • Medical bills from accidents
  • Property damage from accidents
  • Vehicle 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 your restaurant to a visibly intoxicated person who then proceeds to harm others.

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

How much does restaurant insurance cost?

Owner of a food and beverage business calculating costs.

A restaurant that focuses on takeout will pay less for insurance than a large bar and grill. Factors that affect restaurant insurance costs include:

  • Restaurant equipment and property
  • Business income
  • Types of business insurance purchased
  • Coverage options, such as policy limits
  • Location
  • Number of employees
View Restaurant Insurance Costs

How do I get insurance for my restaurant?

It’s easy to get insurance coverage for your restaurant if you have your business information on hand. Our insurance application will ask for basic facts about your small 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your restaurant, whether you work independently or hire employees.

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 or 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.

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