Restaurant Insurance: What You Need to Know

Running a restaurant means managing dozens of unique risks — from food contamination claims to kitchen fires to liquor liability. The right insurance program protects your investment and keeps you in business when the unexpected happens.

Essential Restaurant Coverages

General Liability — customer slip-and-falls, food illness claims
Commercial Property — kitchen equipment, furnishings, inventory
Business Income — lost revenue during forced closures
Liquor Liability — required if you serve alcohol
Workers' Compensation — kitchen burns, cuts, slips for employees
Food Contamination / Spoilage — spoiled inventory from equipment failure
Equipment Breakdown — ovens, refrigerators, HVAC

How Much Does Restaurant Insurance Cost?

Most restaurants pay $2,000–$8,000 per year for a comprehensive insurance package. Key factors include:

Type of restaurant (fast-casual vs. fine dining)
Alcohol sales volume
Number of employees
Square footage and location
Claims history

Why Compare Quotes?

Restaurant insurance rates vary dramatically between carriers. Some specialize in food service and offer better rates and coverage. Insura compares quotes from multiple carriers to find the best value for your specific restaurant.