Insurance Coverage for Restaurants

Restaurant insurance is an integral part of any dining establishment's plan for operation. It plays the important role of making sure any of the unexpected costs that come with accidents are covered, and that owners can continue to operate without the financial risk.

Your plan will be based on your business’s unique needs, so there’s no one-size-fits-all coverage. The various coverage that makes up your restaurant insurance plan will often be referred to as a Business Owners Policy (BOP) or a Commercial Package Policy.

A comprehensive restaurant insurance plan will cover your business in events like property damage, lawsuits, accidents, and various other costly events. It ensures you’re protected in stressful events such as a fire, employee or customer injury, or other claims.

Any business that serves food as its primary service can benefit from restaurant insurance. This includes, but is not limited to, restaurants, cafés, food trucks, cafeterias, snack bars, caterers, carryout providers, and more.

Much like a personal insurance plan, many things factor into how much you pay for your restaurant insurance. Some of these include the size of your business, whether you serve alcohol, the use of high-heat equipment, safety measures included in your operation, and location, among other things.

To get started, you’ll need to provide basic information about your restaurant: location, area size, and what you sell. Then, your insurance representative will reach out for information, such as the size of your team, your annual revenue, and previous insurance or claims history.