Insurance for
restaurants
Protect your kitchen, your staff, and your dining room. Casey covers full-service restaurants, fast-casual spots, cafés, caterers, and food trucks — general liability, property, workers’ comp, and liquor liability in one place. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
Is the bar the main event? See bar & nightlife insurance
What it is
What restaurant insurance covers.
“Restaurant insurance” isn’t one policy — it’s a stack of a few, built around how your operation actually runs. Most food businesses carry these five lines.
You don’t need to know which ones you need. Tell us about your operation and your broker builds the stack.
Who needs it
Every kind of food business — priced differently.
Full-service restaurants
Foot traffic, kitchen hazards, and alcohol service stack up. Broad carrier appetite — which means the job is getting them to compete on your actual alcohol split and payroll.
Fast-casual & counter service
Lower slip-and-fall exposure, no bar — often a fit for a package policy that costs less. We price it both ways and show you the difference.
Cafés & bakeries
Early hours, ovens, and retail traffic. Usually the easiest food risk to place — the work is making carriers compete, not finding one.
Caterers & event operators
Your kitchen travels — standard restaurant property stays home. Off-premises coverage plus the COIs event venues demand before you load in.
Food trucks
The truck needs commercial auto, the kitchen inside needs its own coverage, and events want certificates. Three policies that have to line up — we make sure they do.
Ghost kitchens & delivery-only
No dining room doesn’t mean no exposure: food-poisoning claims, delivery staff, and platform requirements still apply. A newer risk class some carriers read wrong — we submit to ones that don’t.
Something in between?
Most operations are a mix. Describe your actual setup in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Restaurant insurance, answered.
How much does restaurant insurance cost?
It depends on revenue, payroll, alcohol split, and claims history. As a rough anchor, a small restaurant without a bar often runs $3,000–$7,000 a year across GL and property; alcohol service and late hours push it up. We quote your actual operation rather than a generic restaurant rate.
Does restaurant insurance cover food poisoning claims?
Yes — through the product liability piece of your General Liability, on most forms. Where operators get caught is contamination cleanup and spoilage, which are separate endorsements. We check all three before you bind.
We only serve beer and wine. Do we still need liquor liability?
Yes. The alcohol exclusion in your GL applies to any business that profits from alcohol — spirits, beer, or wine makes no difference. If alcohol shows up in your revenue, you need the separate line.
What’s the difference between a BOP and a full restaurant package?
A Business Owners Policy bundles GL and property at a lower price and fits simpler operations — counter service, cafés, low or no alcohol. Full bars, late hours, or catering exposure usually need a package built line by line. We price both and show you where the crossover is.
My landlord wants a COI with specific wording. How fast can I get it?
Same day once you’re bound, and self-serve after that. Landlord lease requirements — additional insured wording, specific limits — are exactly the fine print we read before binding so the certificate matches the lease the first time.
I’m opening my first restaurant. Can I get covered?
Yes. First-year operations pay more, and carriers will ask about your background in food service — but several of our markets write new restaurants, and your lease will require proof of coverage before you get keys. This is usually step one.
Let’s get started.
Send it in and a licensed broker calls you back right away.
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