Restaurant Insurance

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Business Insurance

Coverage for kitchens, dining rooms and everything that goes wrong in them.

Fire suppression, slip and fall, spoiled inventory, liquor liability and the weeks of lost revenue after a kitchen fire. Restaurants carry more exposures per square foot than almost any other small business.

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The Basics

The claim that closes restaurants is the downtime.

A kitchen fire is survivable. Four months closed for repairs, with rent still due and staff moving on to other jobs, often is not. Business income coverage is the single most important limit on a restaurant policy and the one most commonly set too low.

Beyond that, restaurants stack exposures: food spoilage when refrigeration fails, liquor liability if you serve alcohol, employment claims in a high-turnover workforce, and customer injuries in a wet, busy space.

  • Business income sized to a realistic rebuild timeline
  • Liquor liability where alcohol is served
  • Spoilage and equipment breakdown on refrigeration
  • Workers’ compensation for kitchen and front of house

Commonly Missed

  • • Tenant improvements you paid for
  • • Outdoor seating and signage
  • • Delivery drivers and their vehicles
  • • Catering off premises
What’s Included

Core protections for food service

General Liability

Customer injuries, including slips in a busy dining room or entryway.

Property & Equipment

The build-out, kitchen equipment, furnishings and point-of-sale systems.

Business Income

Revenue replaced while you are closed for repairs after a covered loss.

Liquor Liability

Claims arising from serving alcohol, which general liability excludes.

Spoilage

Inventory lost when refrigeration or power fails.

Equipment Breakdown

Mechanical and electrical failure of coolers, ovens and HVAC.

Common Questions

Restaurant Insurance FAQs

Do I need liquor liability if I only serve beer and wine?
Yes. General liability excludes alcohol-related claims regardless of what you serve. Any establishment serving alcohol needs the separate coverage.
How much business income coverage should I carry?
Enough for a realistic rebuild, which for a commercial kitchen is longer than owners expect once permitting, equipment lead times and contractor availability are counted. We work from your revenue rather than a default limit.
What about delivery drivers?
If employees deliver in their own vehicles, you need hired and non-owned auto coverage. Their personal policies may exclude business use, and your restaurant can still be named in a suit.
Is spoiled food covered?
Only with spoilage coverage, often paired with equipment breakdown. A standard property policy will not pay for inventory lost to a failed compressor.

Let’s review your business income limit.

It is the number that decides whether you reopen.

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