Restaurant Insurance
If you’re a restaurant owner, you need restaurant insurance. We know the risks you face on a daily basis, and we’re here to help with whatever comes your way.

What is Restaurant Insurance?

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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.

Restaurant insurance can help cover unexpected costs and help you stay open if things go wrong. In general, it can help cover things like replacing spoiled food due to a broken fridge to a lawsuit from a customer who gets sick from contaminated food.

You face specific challenges related to being in the food business. The good news is that we can help you find the right restaurant coverage for you. So, whether you own a restaurant, bakery, coffee shop, Boba tea or ice cream shop, we're here for you.

Who Needs Restaurant Insurance?

All restaurants and food related businesses should have some type of restaurant insurance to stay protected. Examples of the different types of restaurant insurance we offer to food businesses include:
  • Full Service Restaurants
  • Fine Dining Facilities
  • Fast Food Restaurants
  • Cafes/Coffee Shops
  • Boba Tea Shop
  • Fast Food Restaurants
  • Ice Cream Shops
  • Caterers
  • Cafeterias
  • Pizza Shops

What’s the Best Restaurant Insurance I Can Get?

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

  • General Liability
  • Commercial Property
  • Business Income
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Most restaurant owners with employees are also required to have workers’ compensation.

How Much Does It Cost To Insure a Restaurant?

Restaurant insurance costs vary because every business is unique. Insurance companies use various factors when determining coverage costs, which can include:
 
  • Experience
  • Location
  • Claims history

The best way to find out how much it’ll cost to insure your business is to get a restaurant insurance quote.