Protect your restaurant from kitchen to dining room
Fires, foodborne illness claims, liquor liability, slips and spills — restaurants face risk on every shift. We connect you with hospitality specialists who cover it all under one roof.
America's Trusted Restaurants Insurance Experts
Licensed specialists who know your local requirements and carriers — not a generic national script.
“We opened our second location and needed liquor liability fast. The agent knew exactly what our lease required. Painless — and they still pick up when I call.”
Sofia & James · Restaurant Owners · Nashville, TN
Where restaurants get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksKitchen fires
Grease and open flames make commercial kitchens a leading fire risk. Property coverage repairs the space and equipment; business interruption replaces lost income while you rebuild.
Foodborne illness claims
A single contamination event can trigger costly liability claims and reputational harm. General liability and product liability respond to these claims.
Liquor-related incidents
If you serve alcohol, you can be held liable for an intoxicated patron's actions. Liquor liability is essential — and often legally required.
Slips, spills & employee injuries
Wet floors and busy kitchens lead to customer and staff injuries. General liability and workers' comp cover the medical and legal costs.
Why restaurants can't skip coverage
- Most commercial leases require general liability and property coverage before you can open your doors.
- Serving alcohol without liquor liability leaves your personal and business assets fully exposed to dram-shop claims.
- Workers' compensation is legally required in nearly every state the moment you hire staff.
By the numbers
1 in 3
Restaurants that see a claim in 5 yrs
7,600+
Kitchen fires per year (US)
Yes
Programs tailored to concept
What restaurants need to be covered
Thin margins leave restaurants exposed when something goes wrong. A grease fire, a customer illness claim, or a liquor-related incident can threaten everything you've built. The right program bundles the essentials and adds the specialty coverage your concept needs.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one cost-effective package built for small businesses.
Liquor Liability
Covers claims arising from serving alcohol — essential for any business that sells, serves, or furnishes drinks.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Restaurants insurance FAQ
Most restaurants start with a BOP (liability + property), add workers' comp for staff, liquor liability if they serve alcohol, and commercial auto if they deliver. We tailor the mix to your concept.
Get matched with a restaurant specialist
Share a few details and a licensed agent who understands restaurants will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state