Restaurant Insurance
1. What is restaurant insurance and why is it important for my business?
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.
2. What types of insurance coverage do restaurants need most?
The top restaurant insurance policies most owners carry include:
General Liability Insurance – Protects against customer injury and property damage claims.
Commercial Property Insurance – Covers your building, kitchen equipment, and furnishings.
Workers’ Compensation Insurance – Pays medical expenses and lost wages for injured employees.
Liquor Liability Insurance – Essential if you serve alcohol, covering alcohol-related incidents.
Food Contamination & Spoilage Coverage – Reimburses losses from power outages or equipment breakdowns.
Business Interruption Insurance – Helps replace lost income if your restaurant must temporarily close.
3. How much does restaurant insurance cost?
The cost of restaurant insurance depends on factors like your location, size, employee count, menu offerings, and alcohol sales. As an independent agency, we maintain relationships with hundreds of national and regional insurance carriers, giving us the ability to aggressively shop your policy across the market.
4. Do I need liquor liability insurance for my restaurant?
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.
5. Can I bundle my restaurant insurance policies to save money?
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.
6. What unique risks does my restaurant face compared to other businesses?
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.
7. How can I get the best restaurant insurance coverage for my needs?
22 Crowns understands restaurant operations and provides coverage solutions tailored to the unique risks of the food service industry. We will evaluate your risks, recommend coverage tailored to your business, and find competitive pricing.
8. What happens if my restaurant has to close temporarily due to damage or disaster?
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.
9. Do food trucks, coffee shops, and catering companies need restaurant insurance too?
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.
10. How do I get an affordable restaurant insurance quote today?
You can request a free, no-obligation restaurant insurance quote online or by calling our office. We’ll ask about your restaurant’s location, size, menu, alcohol sales, and staff to create a customized plan that delivers affordable restaurant insurance coverage without sacrificing protection.