Restaurant & Food Service Insurance

Protect the Vision You’ve Plated and the Experience You’ve Created

Standard policies often leave your kitchen exposed to unique risks like equipment breakdown and specialized liability. You deserve protection as refined as your menu, so you can focus on the next great service instead of worrying about what’s simmering in your insurance policy.

REVIEW RISK

book call

Simple Path to Protection

Talk with a restaurant-savvy agent

We learn your concept, seating capacity, kitchen equipment, liquor service, and operations.

Customize your protection plan

Bundle core coverages; add endorsements to match how you actually prepare and serve food.

Serve with confidence

Welcome guests and manage busy services knowing your business is properly protected.

What Restaurants Carry

General Liability

Slip and falls, food-related illnesses, property damage—essential for customer and vendor protection.

Business Interruption

Replaces lost income and helps pay expenses during forced closures from covered events.

Equipment Breakdown

Vital for refrigeration, cooking equipment, POS systems, and HVAC repair/replacement.

Cyber Liability

Data breaches, payment system hacks, and customer information protection.

Workers’ Compensation

Burns, cuts, slips, and strains in fast-paced kitchen environments. Required with employees.

Food Spoilage

Refrigerated and frozen inventory protection during power outages or equipment failure.

Commercial Auto

Delivery vehicles, catering vans—accidents, liability, and cargo protection.

Commercial Property

Building, equipment, furniture, and fixtures protected from fire, water damage, and theft.

Liquor Liability

Essential if you serve alcohol—protection for incidents involving intoxicated patrons.

Umbrella/Excess

Extra limits above other policies—crucial for high-traffic food service operations.

Real-World Restaurant Risks

Slip & Fall Accidents

Customer and employee injuries in dining areas, kitchens, and entryways from spills and wet floors.

Power Outages

Utility failures spoiling thousands in inventory and forcing temporary business closure.

Foodborne Illness

Customer and employee injuries in dining areas, kitchens, and entryways from spills and wet floors.

Liquor Liability

Utility failures spoiling thousands in inventory and forcing temporary business closure.

Kitchen Fires

Grease fires, equipment malfunctions, and electrical issues causing extensive damage and closures.

Delivery Accidents

Driver accidents, auto liability, and cargo damage during food delivery and catering operations.

Equipment Breakdowns

Refrigeration failures, oven malfunctions, and HVAC issues shutting down critical operations.

Data Breaches

Payment system hacks compromising customer credit card information and personal data.

Total Risk, Total Protection, One Partner

Restaurant-Specific Coverage

Specialized policy design with safety protocol reviews and food service risk assessments.

24/7 Claims Support

Round-the-clock claims assistance to minimize business interruption during emergencies.

Certificate Management

Fast certificate help for landlord, vendor, lender, and health department requirements.

Food Safety Guidance

Compliance guidance for food handling, storage, and health department regulations.

Get your restaurant insurance quote

Book a call, get your custom plan, and tap Buy Now to begin your transformation.

review risk

book call