You make one call. We make the rest.
From the dining room to the fryer to the patio bar, we cover the ways a restaurant actually gets sued, and we price liquor liability for how you serve, not a worst-case template. Certificates for your landlord the same day you need them.
Tell us about your business.
What is Restaurant insurance?
The package built around food, guests, and fire: general liability for slips and foodborne illness claims, property coverage for the kitchen that makes the money, business income for a shutdown you did not choose, and liquor liability sized to your actual service. One program, built around how your restaurant runs.
Your lease decides your limits.
Most restaurant landlords require specific liability limits and want to be named as additional insured before you get the keys. Bring us the lease before you sign, and signing day is not a scramble.
Customer injury & property damage
The slip by the host stand, the burn from a plate, the claim you hope never comes.
Liquor liability, sized to your service
Beer and wine is not a full bar, and your premium should know the difference. (Full bar program or late-night venue? See our dedicated liquor liability page.)
Kitchen fire, spoilage & equipment breakdown
The fryer, the walk-in, and everything that spoils when the compressor quits.
Business income
When a fire or covered loss closes the doors, the revenue keeps coming while you rebuild.
Who needs Restaurant insurance?
- Full-service restaurants with bar programs and private events
- Fast-casual and quick-serve concepts, with or without alcohol
- Cafes and bakeries with retail foot traffic
- Food trucks and caterers working other people's venues
- Bars and taverns (and when liquor is the main event, our liquor liability program goes deeper)
One application. Every market. The right program.
Built for food and beverage risks.
We know what carriers ask about hood cleanings, fryers, and late hours, and we get the answers right the first time.
Liquor written correctly.
Service style, license class, and hours all change the price. We place it with markets that want restaurant risk.
Landlord and lender ready.
Limits, additional insureds, and certificates matched to your lease before you sign it.
Room to grow.
Second location, catering, delivery drivers: we extend the program instead of starting over.
Frequently asked questions
What does restaurant insurance cost?
Sales, square footage, alcohol percentage, and claims history drive it. We quote across every market that writes restaurants, so you see the real range instead of one number.
Am I covered if a customer claims food poisoning?
General liability responds to foodborne illness claims, including the legal defense. This is one of the most common restaurant claims, and we make sure the limits treat it that way.
Do I need liquor liability if I only serve beer and wine?
If you serve alcohol at all, yes, and in most states your license requires it. Beer-and-wine service prices very differently from a full bar, which is exactly the kind of distinction we make carriers respect.
My landlord wants a certificate today. Can you do that?
Yes. Same-day certificates with your landlord named exactly as the lease requires.
Does it cover my delivery drivers?
Delivery changes your auto exposure, whether staff or third-party apps. Tell us how delivery works and we will structure hired and non-owned auto around it.