Restaurant Insurance

Restaurant general liability insurance is the foundation of your risk management strategy, protecting your business against third-party bodily injury and property damage claims. This essential coverage responds when customers slip and fall on wet floors, suffer allergic reactions or food poisoning from menu items, find foreign objects in their food, or sustain burns from hot beverages. 

Restaurant liquor liability insurance is critical for any establishment that serves, sells, or distributes alcoholic beverages. This specialized coverage protects your business from potentially catastrophic lawsuits if an intoxicated patron causes injury to others, property damage, or a drunk driving accident after being served at your restaurant. 

Restaurant property insurance covers your most valuable physical assets—including your building (if owned), commercial kitchen equipment, cooking appliances, refrigeration units, furniture, fixtures, décor, point-of-sale systems, and food inventory—against numerous perils like fire, theft, vandalism, wind, hail, and weather-related damage. 

Workers' compensation insurance for restaurants is mandatory in virtually every state and protects both your business and employees when work-related injuries or illnesses occur. Restaurant workers face constant hazards including kitchen burns, knife cuts, slip-and-fall accidents, repetitive motion injuries, and back strains from lifting heavy supplies. Workers' comp covers medical expenses, rehabilitation costs, lost wages, and disability benefits for injured employees. 

Restaurant commercial auto insurance is necessary if your business operates delivery vehicles, catering vans, food trucks, or any vehicle used for business purposes. This coverage protects your restaurant from liability when accidents occur during deliveries, catering events, or food supply runs. Commercial auto policies provide higher liability limits than personal auto insurance and cover vehicle damage, medical expenses, and legal costs resulting from accidents.

Read more about Commercial Auto Insurance. 

Restaurant business interruption insurance (also called business income insurance) provides crucial income replacement when your establishment must temporarily close due to a covered loss like fire, storm damage, equipment failure, or other disasters. This coverage pays for ongoing expenses including rent or mortgage payments, employee payroll, loan payments, taxes, and even projected profits you would have earned during the closure. 

Restaurant equipment breakdown insurance covers repair or replacement costs when critical equipment suddenly fails due to mechanical or electrical breakdown, power surges, motor burnout, or operator error. This includes commercial ovens, ranges, grills, fryers, refrigerators, freezers, ice machines, dishwashers, HVAC systems, and POS systems. 

Food spoilage insurance protects your perishable food inventory when refrigeration equipment fails, power outages occur, or contamination incidents happen. For restaurants carrying thousands of dollars in fresh ingredients, meat, seafood, dairy, and produce, spoilage coverage is essential financial protection. 

Restaurant cyber liability insurance has become essential as food service businesses increasingly rely on digital technology for online ordering, reservations, payment processing, and customer data storage. This coverage protects your restaurant from data breaches, cyberattacks, ransomware, credit card theft, and point-of-sale system hacks. 

Restaurant employment practices liability insurance (EPLI) defends your business against employee-related lawsuits including wrongful termination, discrimination, sexual harassment, wage and hour disputes, retaliation claims, and hostile work environment allegations. The restaurant industry's high turnover rates, diverse workforce, tipping practices, and demanding work environment create elevated exposure to employment claims.

Read more about EPLI

Restaurant umbrella liability insurance provides an additional layer of liability protection beyond the limits of your primary general liability, liquor liability, and commercial auto policies. When a catastrophic claim exceeds your underlying policy limits—such as a serious injury, multi-vehicle accident, or major liquor liability incident—umbrella coverage responds with additional millions in protection. 

Restaurant commercial crime insurance protects against financial losses from employee theft, embezzlement, robbery, burglary, forgery, fraudulent checks, credit card fraud, and computer fraud. Restaurants handle significant daily cash transactions and are vulnerable to both internal and external theft. 

Restaurant food contamination insurance specifically addresses losses related to food contamination, adulteration, or food recall incidents. This specialized coverage pays for disposing of contaminated products, deep cleaning and sanitization expenses, health department inspections, public relations costs to restore your reputation, and business interruption losses during cleanup.