Looking for Restaurant Insurance?
Protect your restaurant, café, bar, or food truck from customer injuries, foodborne illness claims, kitchen fires, and equipment breakdowns. Get tailored liability and property coverage with fast certificates and straightforward pricing.
What is Restaurant Insurance?
Restaurant insurance protects your business from liability claims, kitchen fires, equipment failure, and food-related incidents. It includes general liability, property coverage, equipment breakdown, and optional liquor liability or business interruption coverage to keep operations stable after unexpected events.
Customer Injury & Damage Cover
Property & Kitchen This restaurant coverage helps protect your business with clear, reliable support.
Liquor Liability Coverage
Protects your business if alcohol-related incidents lead to claims involving injury or damage.
Income Protection After Loss
Restaurants need coverage for injuries, property damage, equipment problems, delivery risks, and landlord requirements.
Bars & Cocktail Lounges
Bakeries & Dessert This restaurant coverage helps protect your business with clear, reliable support.
Who Needs Restaurant Insurance?
- Ghost Kitchens : Businesses and professionals requiring restaurant insurance coverage
- Restaurant cover needs : Businesses and professionals requiring restaurant insurance coverage
- Required restaurant cover : Businesses and professionals requiring restaurant insurance coverage
- Restaurant cover needed : Businesses and professionals requiring restaurant insurance coverage
- Who needs cover? : Businesses and professionals requiring restaurant insurance coverage
Why Harper?
Built for Food & Beverage Risks
Harper Insure specializes in restaurants, cafés, bars, bakeries, and food trucks. We understand the unique risks tied to kitchen operations, customer traffic, staffing, and equipment-heavy environments. Your coverage is built around real service-industry needs, not generic small-business templates.
Landlord & Lender Compliant Plans
Most restaurants cannot open or renew a lease without specific liability and property limits in place. Harper reviews your lease or loan documents, clarifies requirements, and structures your policy to match. We issue the certificates your landlord or lender needs without delays.
Balanced Liability & Property Coverage
Restaurants face multiple risks—slip-and-fall injuries, kitchen fires, equipment breakdown, and spoilage. We help you combine liability, property, equipment breakdown, and business interruption coverage into a complete plan that protects your dining room, kitchen, and inventory.
Support for New & Growing Locations
Whether you’re opening your first location or expanding to a second, insurance needs change. We help restaurants adjust coverage across different layouts, menus, and service models—from dine-in to takeout or ghost kitchens—so each location stays properly protected.
Frequently Asked Questions
How much does restaurant insurance cost?
Pricing depends on size, location, equipment, alcohol sales, claims history, and service model. We compare plans to match your risk and budget.
Does it cover kitchen fires?
Property and equipment coverage typically help repair damage from kitchen fires, plus optional business interruption can help replace lost income.
Does it cover foodborne illness claims?
General liability may help if customers allege illness caused by your food, subject to policy terms and investigation.
How fast can I get proof of coverage?
Certificates can usually be issued the same day your policy is approved, helping you stay compliant with landlord and inspection requirements.
Do I need liquor liability if I serve alcohol?
If your restaurant serves or sells alcohol, many states and landlords expect a liquor liability endorsement or separate policy. We explain your options and can help package liquor liability with your restaurant coverage if needed.
How fast can I get proof of restaurant insurance?
In many cases, once you choose a policy and it is issued, you can receive your certificate of insurance the same day. Harper Insure focuses on fast turnaround so you can move forward with inspections, openings, and renewals.
