Restaurant Insurance
Need a Restaurant Insurance Quote In a Hurry?
Our agents will compare rates from top U.S. restaurant insurance providers and negotiate to get your restaurant the best policy.
What Type of Coverage Do You Need for Your Restaurant?
Running a restaurant involves more than great food and service—it also requires the right insurance coverage to protect your business. The type of restaurant insurance you need depends on your operations, but most restaurants should consider the following key policies:
General Liability Insurance
Protects against third-party claims for injuries, property damage, and advertising-related issues. This is essential restaurant liability insurance that covers accidents like customer slips or food-related illnesses.Commercial Property Insurance
Covers your restaurant’s physical assets, such as kitchen equipment, furniture, and the building itself, in case of fire, theft, or other disasters.Workers’ Compensation Insurance
Required in most states, this coverage pays for medical expenses and lost wages if an employee gets injured on the job.Business Interruption Insurance
Replaces lost income if your restaurant has to temporarily close due to a covered event like fire or storm damage.Liquor Liability Insurance
If you serve alcohol, this protects your business from claims related to alcohol-related incidents involving customers.Commercial Auto Insurance
If you offer delivery services, you’ll need coverage for vehicles used for business purposes.Cyber Liability Insurance
In today’s digital world, this protects you from data breaches and cyberattacks—especially if you handle online orders or store customer data.
Restaurant Insurance Cost: What You Need to Know
If you’re wondering, “how much does restaurant insurance cost?” — the answer varies. On average, restaurant insurance cost starts around $950 per year, but this number can change significantly based on several key factors. To get a personalized restaurant insurance quote, simply fill out the form above and receive a free, no-obligation estimate tailored to your restaurant’s specific needs.
Get the Best Insurance for Restaurants
At the end of the day, your goal is to find the best insurance for restaurants that balances affordability and protection. There are many restaurant insurance companies offering plans that can be customized for your business size, location, and operations.
Whether you’re seeking general liability coverage, property protection, or business interruption insurance, getting multiple restaurant insurance quotes is the best way to understand your options and compare the average restaurant insurance cost.
Property Coverage
Property insurance covers you in case of fire or burglary within your premises. Any loss that occurs in this way will be compensated, helping you avoid significant losses and allowing you to rebuild your business.
If you rent the establishment, you need to talk to your landlord about the contract specification regarding property insurance and determine who will be responsible for what. However, you must ensure the money you invested in building your restaurant is covered, and that’s the purpose of a Tenant Improvements & Betterments policy.
Commercial Auto Insurance
If you use a vehicle for deliveries, take-outs, or any other business-related tasks, a commercial auto insurance policy is essential. Personal auto insurance won’t cover accidents that occur during business use—protect your business and your vehicle with the right coverage.
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