Restaurant Insurance

Restaurant Liability Insurance for Small Business Owners

Chances are, if you serve any kind of food or drink, you’re going to need restaurant liability insurance. Being in the food and beverage business can come with great risks. That’s why it’s important to protect your restaurant with the best kind of coverage. We believe in small businesses and get to know restaurant owners so we can understand your unique needs to help protect your business.

Who Needs Food Insurance?

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

Why Is Restaurant Business Insurance So Important?

Insurance helps protect the restaurant business you’ve worked hard to build , while helping keep it moving forward. No matter how hard you try to make sure everything is perfect, problems happen. And we’re here to help if they do.

With us, you know you have an insurance company that always has your back. In fact, because we know that all business owners have unique needs, we’ve put together options specifically made for restaurant owners with our restaurant insurance coverage.

We know you have a lot to handle on a daily basis, but with the right coverage, we’re here to help take some of the stress away. Our restaurant insurance works as hard as you do to protect against the unexpected.

What’s the Best Small Restaurant Insurance I Can Get?

If you’re in the food and beverage business, we recommend starting with a business owner’s policy. A BOP combines three general insurance coverages that are important to almost every business:

Most restaurant owners with employees are also required to have workers’ compensation.

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Protecting Your Restaurant Property

You never think it’s going to happen to you. Until it does. Having the right coverage can help protect your restaurant.

More than 7,000 restaurants catch fire every year.¹

Property Damage

“I’d always kept the kitchen so clean and grease-free. But one night, I got the call … an electrical fire ruined everything.”

A BOP may be the most important restaurant insurance to have because it can help get you back up and running after an accident, fire or vandalism.

Auto Accidents

“My driver was delivering an order during a snow storm. He slid into a stop sign and luckily he was okay, but the front hood was not.”

Commercial auto insurance can help keep you and your employees safe on the road while driving for business, picking up supplies or delivering goods.

Taking Care of Your Restaurant Team

From carrying heavy trays to walking across wet floors, accidents happen every day in restaurants. Keep your employees and your business covered with restaurant liability insurance.

Every 7 seconds, a worker is injured on the job.²

Injured Employees

“My barista slipped and fell on a puddle of spilled coffee syrups. He ended up spraining his wrist and couldn’t work for almost a month.”

Workers’ compensation insurance is required for most restaurant owners. With it, your employees get important benefits for work-related injuries or illnesses.

Workplace Harassment

“I was so busy that I never noticed how the new cashier was treating my hostess. But I found out when I got a letter from her lawyer.”

Employment practices liability insurance offers protection you may not think you need. Managing employees can be tough, and just one lawsuit could shut down your business. This will help to protect against those costs.

Covering Your Restaurant Operations

There are some things that you can’t protect, but you can always be prepared. Whether it’s customers causing issues or the weather wreaking havoc on your restaurant, insurance that offers you the coverage you need is crucial.

Over 20% of businesses experience a power outage at least once a month.³

Water Contamination

“Our water treatment plant had a contamination that made the water undrinkable. We could have served bottled water to the customers, but we rely on our tap to cook and clean. So, we had no choice but to shut down until the plant got the levels back to normal.”

Drinkable water coverage helps cover the loss of business income and extra expense if your business has to shut down due to a water contamination that results in your water being undrinkable.

Customer Intoxication

“Some customers celebrated a birthday with dinner, drinks and a round of shots as ‘dessert.’ On their way home, one of them was in an accident. Legally, I was liable.”

Liquor liability insurance can help pay legal costs, court fees and civil damages that may come from your liquor sales.

Food Insurance Made for You

We love serving, too. And like you, being there for our customers is our #1 priority. Our insurance company has a big heart for small businesses, and we’ve worked hard to bring you the exact kind of coverage you need. We offer restaurant business insurance plans that were made with you in mind, so you can just worry about what’s on the menu – and have peace of mind about all the rest.

Find out more about other food service professions we insure: