General Liability
Protection for everyday business liability risks.
Why it matters for you
Guests and visitors create constant premises and food-related liability.
ExampleA customer slips on a spilled drink and is injured.
Restaurants Insurance
Protect the kitchen, the dining room and your team.
Restaurants combine hot kitchens, busy dining rooms, perishable inventory and staff on their feet all day. Owners usually start with liability, property and workers’ compensation.
Recommended coverage
Coverage Restaurant businesses may consider
Every business is different. These are the coverages businesses like yours most often review.
Workers’ Compensation
Coverage designed to protect employees and businesses when work-related injuries occur.
Why it matters for you
Burns, cuts and slips are common kitchen injuries.
ExampleA line cook cuts their hand during prep.
Commercial Property
Coverage for qualifying buildings, equipment, inventory, and other business property.
Why it matters for you
Kitchen equipment, furniture and inventory are costly to replace.
ExampleA kitchen fire damages your hood system and walk-in cooler.
Business Owners Policy
A convenient combination of business property and liability protection for eligible businesses.
Why it matters for you
Many restaurants qualify to combine property, liability and business income.
ExampleA covered fire closes you for three weeks and you lose income.
Commercial Auto
Insurance for eligible vehicles used for business.
Why it matters for you
Delivery and catering vehicles need business auto coverage.
ExampleA catering van is involved in an accident on the way to an event.
Commercial Umbrella
Additional liability protection above qualifying underlying policies.
Why it matters for you
Higher limits help with serious injury claims and lease requirements.
ExampleA serious injury claim exceeds your general liability limit.
Related industries
Similar businesses we serve
Get a quote for your restaurant business.
Answer a few questions and a licensed professional will help you explore coverage options.