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From full-service restaurants and bars to food trucks and ghost kitchens — search your restaurant type below to get started with a quote.
A comprehensive restaurant insurance program combines multiple coverages into one policy — protecting your business from customer injuries, employee claims, property damage, alcohol liability, and more.
From first contact to a bound policy — here's how simple it is when you work with a restaurant insurance specialist.
A standard Commercial General Liability policy has exclusions. Know what requires separate coverage so there are no gaps in your protection.
Not sure what coverages you need? That's what we're here for. A quick conversation with our team can help you identify coverage gaps and build the right restaurant insurance package for your specific operation.
Everything restaurant owners need to know about getting the right insurance coverage for their food service business.
Most restaurants need at minimum Commercial General Liability, which covers bodily injury and property damage claims from customers. Restaurants that serve alcohol also need Liquor Liability. Additional coverages typically include Commercial Property, Workers' Compensation (required in most states), Business Interruption, and Commercial Auto if you use vehicles for delivery or catering.
Restaurant insurance costs vary based on restaurant type, size, annual revenue, location, years in business, and the coverages selected. A small cafe or food truck may pay a few hundred dollars per year for general liability, while a full-service bar or restaurant with alcohol service and multiple employees may pay several thousand annually. The best way to find your rate is to request a custom quote.
Yes — any restaurant, bar, or food service business that sells or serves alcohol should carry Liquor Liability insurance. Standard General Liability policies typically exclude alcohol-related claims. Liquor Liability (also called dram shop liability) covers claims arising from serving alcohol to intoxicated or underage patrons, and can protect you from lawsuits resulting from off-premises incidents.
In most states, Workers' Compensation is legally required as soon as you have one or more employees. Restaurants are considered high-risk for employee injuries — slips, burns, and cuts are common — making Workers' Comp both a legal necessity and an important financial protection for restaurant owners.
Food contamination coverage protects restaurants against losses from spoiled inventory, contaminated food products, or a foodborne illness outbreak. It can cover the cost of disposing of contaminated stock, deep cleaning, lost revenue during a temporary closure, and reputational recovery costs. This is typically added as an endorsement to a commercial property or general liability policy.
Standard commercial auto policies or Hired and Non-Owned Auto (HNOA) coverage extends protection to delivery drivers using personal or business vehicles. If your drivers use their own vehicles for deliveries, a personal auto policy may not cover accidents that occur during business use — HNOA fills that gap. Third-party delivery platforms carry their own liability, but restaurant-side exposure may still exist.
Commercial General Liability (CGL) for restaurants covers third-party bodily injury (e.g., a customer slipping on a wet floor), property damage caused by your business operations, and personal and advertising injury claims. It does not cover employee injuries (Workers' Comp), damage to your own property, or alcohol-related incidents (Liquor Liability).
Speak with a licensed restaurant insurance specialist now. We'll build the right coverage package for your business — fast.