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Restaurant Insurance

Get restaurant insurance the easy way. We compare top-rated carriers, so you get the best coverage at the best price—fast.

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Rather speak with an insurance agent? Call us: (877) 334-7646

Why Do Restaurants Need Insurance?

Every restaurant comes with unique restaurant liability risks. One accident, fire, or lawsuit can set you back thousands—or even force you to close your doors. Restaurant insurance helps protect your business, employees, and livelihood so you can focus on creating great food and memorable experiences.

We know your time is valuable. That’s why we shop the market for you, ensuring you get the right coverage at the right price—without the hassle.

Restaurant Insurance

Who Needs Restaurant Insurance?

If you own a restaurant, café, or food service business, you need restaurant insurance to protect what you’ve built. We help insure:

  • Cafes/Coffee Shops/Delis
  • Fast Food Restaurants
  • Ice Cream Shops
  • Fine Dining Facilities
  • Full-Service Restaurants
  • Cafeterias
  • Pizza Shops

No matter your restaurant type, we make it easy to find the best restaurant insurance for your unique needs.

Running a Restaurant Has Risks—Are You Covered?

Fire hazards, foodborne illnesses, employee injuries, and liability claims can threaten your business. Make sure you have the right protection with our free Restaurant Business Risk Summary & Checklist.

Download your free copy

The Right Coverage for Your Restaurant

The last thing you want to worry about is an accident, lawsuit, or equipment breakdown. The right restaurant insurance keeps you covered so you can focus on running your business. Here are the essential policies every restaurant owner should consider:

Business Owners Policy

Business Owner’s Policy

A BOP combines general liability, property insurance, and business interruption coverage into one simple, cost-effective package. It’s a must-have for most restaurant owners.

Workers Compensation Insurance

Worker’s Compensation

Protects your employees by covering medical costs and lost wages if they get injured on the job. Required by law in most states.

General Liability Insurance

General Liability Insurance

Covers customer injuries, property damage, and lawsuits from accidents that happen in your restaurant—like slips, falls, or food-related incidents.

Commercial Auto

Commercial Auto

Covers accidents involving restaurant-owned delivery vehicles or employees using personal cars for business.

Liquor Liability Insurance

Liquor Liability

Protects your restaurant if an intoxicated customer causes harm or property damage after being served alcohol.

EPL Insurance

Shields your business from claims of discrimination, wrongful termination, or harassment—an increasing risk in the restaurant industry.

How Much Does Restaurant Insurance Cost?

Restaurant Insurance Cost

There’s no one-size-fits-all price for restaurant insurance. The cost depends on several factors unique to your business, from location to operations.

  • Your restaurant type & size

  • Property value (kitchen equipment, furniture, and inventory)

  • Annual revenue

  • Location & risk factors

  • Number of employees

  • Whether you serve alcohol or offer delivery

Some sites give you “average” costs, but getting a quote is the best way to know your rate. We compare multiple carriers to find you the best price—without the hassle.

How to Get Restaurant Insurance

Getting restaurant insurance doesn’t have to be complicated. We make the process simple:

  • Compare Quotes – Enter your business details once, and we’ll shop multiple top-rated carriers to find the best options for you.
  • Quote & Buy Online – Ready to purchase? Get covered quickly with an instant online quote.
  • Talk to an Expert – Prefer personalized guidance? Our business insurance specialists are just a call away.

We make it easy to protect your restaurant so you can focus on running your business.

Get the Right Restaurant Insurance—Fast

Enter your information once, and we’ll compare top-rated carriers to find your best coverage. It’s quick, secure, and hassle-free.

Compare Quotes
Quote & Buy Online

Call 877-334-7646 to speak with a business specialist.

Restaurant Insurance FAQs

Does restaurant insurance cover food contamination or spoilage?

Yes, if your policy includes food contamination or spoilage coverage, it can help cover losses from power outages, equipment failures, or contamination issues.

What happens if a customer gets sick from food served at my restaurant?

If a customer claims they got sick after eating at your restaurant, general liability insurance may cover medical expenses, legal fees, and settlements.

Is restaurant insurance required by law?

While not all coverages are required, workers’ compensation insurance is mandatory in most states if you have employees. Some landlords and lenders may also require general liability or property insurance before you lease space or get financing.

How much restaurant insurance coverage do I need?

Most restaurants opt for a $1M per claim / $2M aggregate limit for general liability. This protects against common claims like customer injuries, property damage, and food-related incidents.

Pro Tip: Many business insurance policies cover legal defense separately, meaning your policy limits apply only to claims payouts, not legal fees.

What is Business Personal Property coverage?

Business personal property insurance covers restaurant-owned equipment, furniture, and inventory against theft, fire, or damage. It’s typically included in BOP policies.