Business Insurance for Restaurants

Compare multiple quotes from top carriers with one application.

We partner with trusted A-rated insurance companies

Save money by comparing restaurant insurance quotes

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.

Male waiter serving dinner at restaurant.

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

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

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

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

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 restaurant insurance cost?

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

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

Restaurant equipment and property
Services offered by your restaurant
Revenue
Location
Number of employees

View 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!"

Jessica Shannon

Customer since 2016

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.

Compare insurance quotes for restaurants

Save money by comparing insurance quotes from multiple carriers.