Industry Specialization
Specialized coverage for fast food, cafeterias, casual dining, fine dining, sandwich shops, pizzerias, and wine bars with industry expertise.
Liquor Liability Included
Comprehensive liquor liability coverage up to $1M/$1M for establishments serving alcohol, covering up to 65% alcohol sales ratio.
Property Protection
Property coverage up to $5M TIV protecting your kitchen equipment, furniture, inventory, and building improvements with specialized food service provisions.
Complete Coverage Package
Employment practices, cyber liability, and hired/non-owned auto coverage included with mandatory UL300 fire suppression safety requirements.
Why Restaurants Need Specialized Coverage
General business insurance often excludes food service risks and lacks the specialized protections restaurants and food service businesses require daily.
Basic Business Insurance
- No liquor liability coverage
- Limited food service provisions
- Basic property limits
- No food spoilage protection
- Limited equipment breakdown coverage
- No employment practices protection
Our Restaurant Coverage
- Liquor liability up to $1M/$1M
- Food service industry specialization
- Property coverage up to $5M TIV
- Food spoilage & contamination
- Equipment breakdown included
- Employment practices & cyber coverage
Restaurant Insurance Complete Guide
What is Restaurant Insurance?
Restaurant insurance provides comprehensive protection for food service businesses including general liability, property coverage, liquor liability, and specialized protections for the unique risks restaurants face daily.
Why Do Restaurants Need Specialized Coverage?
- Food Service Risks: Unique exposures from food preparation, serving, and customer interactions
- Liquor Liability: Establishments serving alcohol face significant liability exposure
- Equipment Risks: Expensive kitchen equipment needs specialized protection
- Employee Risks: High turnover and employment practices exposures
- Fire Hazards: Commercial kitchens require UL300 fire suppression systems
Who Needs Restaurant Insurance?
- Fast Food: Quick service restaurants and drive-through establishments
- Casual Dining: Family restaurants and casual dining establishments
- Fine Dining: Upscale restaurants and chef-driven establishments
- Specialty Food Service: Cafeterias, sandwich shops, pizzerias
- Bars & Wine Bars: Establishments with alcohol service focus
- Multi-Location Operations: Restaurant chains up to 5 locations
Coverage Limits and Requirements
Our restaurant coverage provides General Liability up to $2M/$4M, Liquor Liability up to $1M/$1M, and Property coverage up to $5M Total Insured Value. Coverage is available for businesses with under $10M annual revenue, fewer than 250 employees, and up to 65% alcohol sales ratio.
Sweet Spot for Coverage
This program works best for restaurants with under $10M annual revenue, fewer than 250 employees, up to 5 locations, and 65% or less alcohol sales. We specialize in sophisticated underwriting for the food service industry with proven growth market expertise.
Geographic Availability
Coverage is available in 30+ states with ongoing regional expansion. Our risk management expertise and industry specialization provide restaurants with comprehensive protection tailored to food service operations.