Chances are, if you serve any kind of food or drink, you’re going to need restaurant liability insurance. Being in the food and beverage business can come with great risks. That’s why it’s important to protect your restaurant with the best kind of coverage. We believe in small businesses and get to know restaurant owners so we can understand your unique needs to help protect your business.
Restaurant Liability Insurance for Small Business Owners
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Who Needs Food Insurance?
- Cafes/Coffee Shops
- Fast Food Restaurants
- Ice Cream Shops
- Fine Dining Facilities
- Full Service Restaurants
- Caterers
- Cafeterias
- Pizza Shops
Hear From Our Customers
“We had a mishap last year in November. I don't think without having good insurance I'd still be in business ... We were on the telephone with The Hartford right away. When I first called them up, they were kind and sympathetic and it sounded as if the person on the other side of the phone was standing right there with me ... It was smooth and seamless and they were very reactive and very quick.”
– Buck Buchanan, Owner and Operator of Lumpy’s Ice Cream
Why Is Restaurant Business Insurance So Important?
Insurance helps protect the restaurant business you’ve worked hard to build
, while helping keep it moving forward. No matter how hard you try to make sure everything is perfect, problems happen. And we’re here to help if they do.
With us, you know you have an insurance company that always has your back. In fact, because we know that all business owners have unique needs, we’ve put together options specifically made for restaurant owners with our restaurant insurance coverage.
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What’s the Best Small Restaurant Insurance I Can Get?
If you’re in the food and beverage business, we recommend starting with a business owner’s policy. A BOP combines three general insurance coverages that are important to almost every business:
Most restaurant owners with employees are also required to have workers’ compensation.
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We Won’t Make You Wait
We know how important your time is. Get your proof of insurance instantly online.
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Daños a la propiedad
“I’d always kept the kitchen so clean and grease-free. But one night, I got the call … an electrical fire ruined everything.”
A BOP may be the most important restaurant insurance to have because it can help get you back up and running after an accident, fire or vandalism.
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Auto Accidents
“My driver was delivering an order during a snow storm. He slid into a stop sign and luckily he was okay, but the front hood was not.”
Commercial auto insurance can help keep you and your employees safe on the road while driving for business, picking up supplies or delivering goods.
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Injured Employees
“My barista slipped and fell on a puddle of spilled coffee syrups. He ended up spraining his wrist and couldn’t work for almost a month.”
Workers’ compensation insurance is required for most restaurant owners. With it, your employees get important benefits for work-related injuries or illnesses.
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Workplace Harassment
“I was so busy that I never noticed how the new cashier was treating my hostess. But I found out when I got a letter from her lawyer.”
Employment practices liability insurance offers protection you may not think you need. Managing employees can be tough, and just one lawsuit could shut down your business. This will help to protect against those costs.
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Water Contamination
“Our water treatment plant had a contamination that made the water undrinkable. We could have served bottled water to the customers, but we rely on our tap to cook and clean. So, we had no choice but to shut down until the plant got the levels back to normal.”
Drinkable water coverage helps cover the loss of business income and extra expense if your business has to shut down due to a water contamination that results in your water being undrinkable.
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Customer Intoxication
“Some customers celebrated a birthday with dinner, drinks and a round of shots as ‘dessert.’ On their way home, one of them was in an accident. Legally, I was liable.”
Liquor liability insurance can help pay legal costs, court fees and civil damages that may come from your liquor sales.
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Ready-Made Restaurant Insurance
Order’s up! Get a restaurant insurance quote to get the coverage you need today.
More Answers to Frequently Asked Business Insurance Questions
Última actualización: 5 de septiembre de 2024
1 National Fire Protection Association, Structure Fires in Eating and Drinking Establishments, February 2017
Divulgaciones adicionales a continuación.