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Restaurant & Bar Insurance
Kitchens, alcohol, customers and employees all under one roof. We put together coverage for restaurants, bars, cafes, food trucks and caterers in every state where our agents are licensed.
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Restaurants & Bars
Coverage Built for Restaurants & Bars
We compare several insurance companies and put the pieces together so nothing important is left out.
- A business owners policy that combines property and general liability
- Liquor liability if you sell or serve alcohol
- Workers' comp for kitchen and front-of-house staff
- Equipment breakdown and food spoilage
- Hired and non-owned auto for delivery drivers
- Cyber coverage for card payments and customer data
- Commercial umbrella for higher limits
Good to Know
Before You Buy
Food service claims come from fires, falls, alcohol and spoiled inventory. These are the points we go through with every restaurant owner.
- Liquor liability is separate. Most general liability policies exclude claims tied to selling or serving alcohol. If you serve alcohol, you usually need liquor liability, and many states' dram shop laws can hold sellers responsible for what an intoxicated customer does.
- Spoilage has to be added. A power outage or a failed cooler can ruin your inventory overnight. Food spoilage and equipment breakdown coverage are often add-ons, not standard.
- Hood systems matter. Insurers look closely at kitchen hood suppression systems and cleaning records. Keeping them current can affect whether a company will write you and what it charges.
- Delivery drivers need coverage. Employees who deliver in their own cars usually need hired and non-owned auto coverage on your policy, because their personal auto policy may not respond.
- Slips and falls are common. Wet floors and busy dining rooms make customer injuries one of the most frequent restaurant claims. General liability covers them.
Pair It With
Gaps to Close for Restaurants & Bars
A single policy rarely covers everything. These are the most common additions.
Kitchen Injuries Add Up
Burns, cuts and slips are everyday risks in a kitchen. Workers' comp covers medical bills and lost wages for your staff.
Card Data Is a Target
Restaurants process thousands of card payments. Cyber coverage helps pay for breach response and customer notification.
Raise Your Limits
A serious injury claim can exceed your liability limits. An umbrella adds a layer of protection on top.
Questions
Restaurants & Bars Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Do I need liquor liability if I only serve beer and wine?
Generally yes. Liquor liability applies to selling or serving any alcohol, and most general liability policies exclude those claims.
Does a business owners policy cover food spoilage?
Not always. Spoilage is often an endorsement you add. We show you whether each quote includes it and how much it pays.
Do food trucks need commercial auto?
Yes. The truck itself needs a commercial auto policy, and the business usually needs general liability for the food you serve.
Opening or Renewing a Restaurant?
Tell us about your business and we will compare insurance companies for you.