Restaurant insurance is a specialized package of policies that protect your restaurant business from financial loss. It covers common risks like property damage, kitchen fires, slip-and-fall injuries, foodborne illness claims, employee accidents, and liquor liability. Whether you own a fine dining restaurant, casual café, bar, or food truck, having the best restaurant insurance coverage keeps your business compliant, your assets protected, and your operations running smoothly.

General Liability Insurance

Commercial Property Insurance

Workers’ Compensation Insurance

Liquor Liability Insurance

Food Contamination & Spoilage Coverage

Business Interruption Insurance

Employment Practices Liability

The cost of restaurant insurance depends on factors like your location, size, employee count, menu offerings, and alcohol sales. The easiest way to find affordable restaurant insurance quotes is to work with an independent agency that can shop multiple carriers on your behalf.

If you serve or sell alcohol—beer, wine, or cocktails—then yes, liquor liability insurance is essential. It covers claims if an intoxicated customer causes an accident, injury, or property damage. In many states, liquor liability coverage is legally required for alcohol-serving establishments.

Absolutely. Many providers offer Business Owner’s Policies (BOPs) or custom packages that bundle general liability, commercial property, and other coverages for lower premiums. Bundling helps you get comprehensive restaurant insurance coverage at a better rate and makes policy management simpler.

Restaurants face specific exposures like grease fires, customer food poisoning claims, liquor-related incidents, seasonal staff turnover, and high-value kitchen equipment damage. Without the right restaurant insurance policy, a single event could cost thousands or even force you to close.

If you have Business Interruption Insurance, your policy can cover lost revenue, ongoing expenses like rent and payroll, and even relocation costs until your restaurant reopens. This is one of the most important ways to protect your restaurant business from extended downtime.

Yes. While coverage can vary, most food service businesses—whether stationary or mobile—need general liability, equipment coverage, and workers’ compensation. Food trucks may also require commercial auto insurance for vehicles used in the business.