Restaurant Insurance

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About Restaurant Insurance

Today’s restaurant environment is more complex than ever, and you need to know you’re covered for the unexpected occurrence with restaurant insurance coverage that is specific to the unique needs of restaurants and bars.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.


Restaurant & Bar Insurance is needed for the following:

  • Fine Dining
  • Micro Brewery
  • Coffee Shop
  • Delicatessen
  • Ethnic Cuisine
  • Fast Food
  • Casual Dining

Examples of Restaurant & Bar Insurance Coverage: 

Property Insurance

Covers damages to the restaurant’s physical property, including the building itself, kitchen equipment, furniture, and inventory. This could protect against events like fires, storms, or vandalism.

General Liability Insurance
Protects against lawsuits from third parties alleging bodily injury or property damage. For instance, if a customer slips and falls or gets injured at your establishment, this would cover the associated costs.
Liquor Liability Insurance
Essential for bars and any restaurant serving alcohol. This covers claims related to damages or injuries caused by an intoxicated customer who was served alcohol at your establishment.
Workers' Compensation Insurance
Should an employee get injured on the job, this coverage provides them with wage replacement and medical benefits. It also protects business owners from potential lawsuits from injured workers.
Food Spoilage and Contamination Insurance
Provides coverage for losses resulting from foodborne illnesses caused by contaminated food, spoilage, or other related issues.
Equipment Breakdown
Covers the costs of repairing or replacing kitchen equipment that might break down, such as stoves, refrigerators, or HVAC systems.
Business Interruption Insurance
If a covered event (like a fire) forces your restaurant or bar to temporarily close, this coverage can compensate for lost income and certain operating expenses until the business can resume.
Commercial Auto Insurance
For restaurants that offer delivery services, this insurance covers their vehicles against damages and liabilities from accidents.
Employment Practices Liability Insurance
Protects against claims from employees alleging wrongful treatment, such as harassment, discrimination, or wrongful termination.
Cyber Liability Insurance
With many restaurants and bars offering online ordering or maintaining digital databases of their clientele, this coverage is essential. It protects against damages resulting from data breaches or cyber-attacks.
Assault and Battery Coverage
Covers claims arising from altercations between staff and customers or between customers themselves.
Utility Services Coverage
Provides protection in case utilities like water, electricity, or gas are interrupted, leading to losses.
Loss of License Coverage
If a restaurant or bar loses its license to operate (due to violations or other reasons), this coverage can compensate for the associated financial loss.
Tenant's Liability
For restaurants that lease their space, this covers damages to the leased property caused by the restaurant’s operations.
Outdoor Sign Insurance
Covers damages to exterior signs caused by events like vandalism, fires, or storms.

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