Get a Quote

Insure Your Restaurant Today

Save up to 20% on restaurant insurance coverage

Get My Quote

Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a commercial insurance quote.


Easy Process

Finally, insurance shopping the way you deserve. Data and technology to streamline your experience. Real, live agents to keep things human.


Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you. Bundle policies to save even more.


Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.


Trusted by Thousands

Since 2012, we've helped thousands of small businesses get the coverage they need. It's insurance, simplified for small business.


Made for You

Policies made just for you, and that you can't get anywhere else. Unlock access to bespoke insurance products from leading commercial carriers.

modern design club restaurant bar indoors

Get the insurance you need to protect your restaurant

Running a successful restaurant is hard work, and you want to make sure that you're protected in case of accidents or unforeseen circumstances. Our restaurant insurance policies can provide coverage for everything from property damage to cyber attacks.

Don't wait until it's too late – get the peace of mind you need with our affordable and customizable insurance plans. Contact us today to learn more!

Get a Quote

Restaurant Insurance

If you own a restaurant, you know that running a successful business involves much more than just serving delicious food. You also have to take care of your customers, employees and the physical assets of your restaurant. 

That's why having the right insurance coverage is crucial to protect your business from unexpected events that can lead to financial loss or even shut down your operations.


What Is Restaurant Insurance and Why Do You Need It?

Restaurant insurance is really a commercial insurance policy or policies that cover a range of risks specific to the restaurant industry. It can help protect you from liability claims, property damage, employee injuries and other losses that can occur in a restaurant. 

What Does Restaurant Insurance Typically Cover?

Restaurant insurance typically includes several types of coverage that can help protect your business from various risks. In general, restaurant owners will want to insure their: 

  • Finances: In the event of unexpected damage or loss to your restaurant, or disruption to your business operations, restaurant insurance can help you recover.
  • Assets: From the building to the equipment to the inventory, insurance can help repair or replace damaged or lost property.
  • People: If an employee or customer is injured at your restaurant, insurance can help cover the cost of their medical bills and related expenses.

Restaurant business insurance, then, is a combination of different types of insurance policies that help protect these things from risk. 


Types of Restaurant Insurance Coverage

Some of the most common types of coverage include:

  • General liability insurance: Protection against claims and lawsuits from customers, including slips, falls, food poisoning and other accidents.
  • Property insurance: Protection for physical assets of the restaurant, including buildings, equipment and inventory.
  • Workers' compensation insurance: Often required coverage for restaurant owners to protect employees in case of workplace injuries or illnesses.
  • Commercial auto insurance: Insurance coverage on vehicles used for business purposes, such as deliveries or catering events.

Other types of coverage may be necessary depending on the specific needs of your restaurant. That's why it's important to work with an experienced insurance agent who can help you customize a policy that meets your unique needs. 

Restaurant Liability Insurance

Restaurant liability insurance is a crucial type of coverage for restaurant owners. This general liability policy provides protection against claims and lawsuits from customers who are injured or suffer damages while on your property. This can include slip and fall accidents, food poisoning, allergic reactions or other incidents that can occur in a restaurant setting.

Without liability insurance, you could be held personally liable for any damages or injuries suffered by your customers, which could result in costly legal fees and settlements.

Liquor Liability Insurance for Restaurants

If your restaurant serves alcohol, you may also need liquor liability insurance. This type of coverage provides specialized liability protection for restaurants that serve alcohol, including protection against alcohol-related accidents and incidents. Liquor liability insurance can also help cover legal fees and damages if a customer is injured or suffers property damage as a result of alcohol consumption in your restaurant.

Food Contamination Insurance for Restaurants

Food contamination insurance is another important type of coverage for restaurant owners. This coverage provides protection in case of a foodborne illness outbreak or contamination. It can help cover the costs of recall, cleanup and legal expenses, as well as lost income and damage to your restaurant's reputation.

Property Insurance for Restaurants

Property insurance for restaurants provides coverage for the physical assets of your restaurant, including buildings, equipment and inventory. This coverage can help protect you from financial loss if your property is damaged or destroyed by fire, theft or other covered events.

Restaurant Equipment Insurance

Restaurant equipment insurance is a specific type of property insurance that provides coverage for equipment and machinery used in the restaurant, often kitchen equipment and appliances like refrigerators, ovens and grills. This coverage can help pay for repairs or replacements if your equipment is damaged or destroyed.

Restaurant Business Owner's Policy

A Restaurant Business Owner's Policy (BOP) is a bundled insurance package that includes general liability and property insurance. This policy is specifically designed for small to medium-sized restaurants and provides protection for your business against risks such as theft, property damage and lawsuits. BOPs are often more cost-effective than purchasing liability and property insurance separately.

Restaurant Workers' Compensation Insurance

If you own a restaurant (and have employees), you may be legally required to have workers' compensation insurance. This coverage protects your employees if they get injured on the job or become ill due to work-related activities. The policy would kick in to cover medical expenses, lost wages, and rehabilitation costs. If an employee dies while performing work duties, their dependents may also receive benefits.

Restaurant and food service is a mid- to high-risk industry. Service jobs often require physical activity and movement; as a result, employees may encounter various hazards. For example:

Some jobs in this industry are physically demanding, with heavy lifting or repetitive movements putting workers at risk for injuries. 

Exposure to harsh chemicals in commercial-grade cleaning products can cause tissue or respiratory damage.

Food service jobs, particularly back-of-house staff, also face sharp tools, heavy equipment, hot surfaces, spills and hurried work environments, making burns and slip-and-fall injuries mroe common in these workplaces.

Related Read: 6 Safety Tips for Restaurant Owners to Avoid Kitchen Staff Disasters

Keep in mind that workers' compensation insurance requirements vary by state, so it's essential to research the regulations in your area.

Cyber Insurance for Restaurants

As technology plays an increasingly important role in restaurant operations, it's crucial to protect your business from cyber threats. Cyber insurance for restaurants provides coverage for data breaches, cyber attacks, and other technology-related risks that can affect restaurant operations and customer privacy. For example, if a hacker steals customer credit card information from a restaurant’s point-of-sale (POS) system.

This coverage can help cover the cost of legal fees, notification expenses and other costs associated with a cyber attack.

Employment Practices Liability Insurance for Restaurants

Employment Practices Liability Insurance (EPLI) for restaurants provides coverage for claims related to employment practices, such as discrimination, wrongful termination and sexual harassment. This coverage can help protect your business from legal expenses if an employee sues you for employment-related claims.

EPLI doesn't cover intentional acts of discrimination, harassment or retaliation. Additionally, it's essential to have policies and procedures in place to prevent these types of incidents from occurring.

Commercial Auto Insurance for Restaurants

For restaurants, commercial auto insurance covers vehicles used for business purposes, such as deliveries or catering events. This coverage can help protect your business from financial losses due to accidents, theft or vandalism. If you or your employees use personal vehicles for business purposes, you may need to purchase additional insurance coverage.

Get a Quote Today

Save Up to 20% on Your Restaurant Insurance Policies!

Get a Quote

How to Choose the Right Restaurant Insurance Policy

With so many different types of insurance policies and providers available, it can be overwhelming for restaurant owners to choose the right coverage. Here are some factors to consider when buying restaurant insurance.

Factors to Consider When Choosing a Restaurant Insurance Provider

When it comes to choosing an insurance provider for your restaurant, there are several factors to keep in mind:


Make sure that you're getting adequate coverage without breaking the bank. Work with an insurance agent to find a policy that fits within your budget. An independent commercial insurance agency can help you compare rates and coverage options from multiple carriers to find the best policy for your restaurant. 

Risk Assessment

Another critical factor to consider is the level of risk associated with your restaurant. For example, if you serve alcohol, you may need liquor liability coverage, which can be more expensive than a policy that only covers general liability. If your restaurant is in an area with a high crime rate, you may want to consider additional coverage for theft or vandalism. If you’re open 24 hours, your rates may be higher.

Insurance Provider Reputation

Before choosing an insurance provider, research the company's reputation. Look for reviews from other restaurant owners or business owners in your industry. You can also check with the Better Business Bureau to see if there have been any complaints filed against them.

Customized Coverage

Every restaurant is unique, and your insurance coverage should be tailored to your specific needs. Work with an insurance agent who specializes in restaurant insurance to ensure that your policy covers all of your risks.

Claims Process

In the event that you need to file a claim, you'll want to make sure that the insurance provider has a straightforward and efficient claims process. Ask about the process upfront and make sure you understand what's required to file a claim.

Policy Limits and Deductibles

Finally, be sure to review the policy limits and deductibles of any policy you're considering. The policy limits will determine the maximum amount the insurance provider will pay out in the event of a claim, and the deductible is the amount you'll need to pay out of pocket before your insurance policy kicks in.


How Much Does Restaurant Insurance Cost?

The cost of restaurant insurance varies widely depending on several factors, including the size of your restaurant, the specifics of your business operations, the number of employees you have, and the level of coverage you need. Generally speaking, smaller restaurants with fewer employees and less risk will pay less for insurance than larger restaurants with higher levels of risk.

One way to keep the cost of insurance down is to bundle your coverage, for example with a restaurant business owner's policy. Bundling policies can be more cost-effective than purchasing these policies separately.


Protect Your Restaurant Today

Protecting your restaurant with proper insurance coverage is essential for the long-term success of your business. By taking the time to research your options and work with an experienced insurance agent, you can find the right coverage to protect your investment and give you peace of mind. Don't wait until an accident happens — protect your restaurant today.


Get Insurance for Your Restaurant 

As a restaurant owner, you know how important it is to protect your business from unforeseen events. Whether it's property damage, employee injuries or liability claims, having the right insurance can help you avoid financial losses that can be devastating for your restaurant. The first step to securing the coverage you need is to get a restaurant insurance quote.

How to Get a Restaurant Insurance Quote

Getting a restaurant insurance quote is straightforward. Here are the steps you need to follow to get started:

1. Gather Your Information

Before you start looking for quotes, you'll need to have some basic information about your restaurant ready. This includes:

  • Your business's location
  • Building size
  • Number of employees
  • Total payroll
  • Summary of business operations (hours of operation, delivery or catering services, on-site events, etc.) 

Having this information on hand can help you get accurate quotes and avoid surprises later in the process.

2. Research Insurance Providers

Next, you'll want to research insurance providers that specialize in restaurant insurance. Look for companies that have experience working with restaurants like yours and that offer comprehensive coverage at competitive rates.

3. Request Quotes

Once you've found a few insurance providers that you're interested in working with, you can request quotes. Many insurance companies offer online quote forms that you can fill out to get an estimate of the cost of coverage. You can also contact providers directly to request quotes.

4. Compare Quotes

After you've received a few quotes, take the time to compare them carefully. Look at the coverage limits, deductibles and premiums to determine which policy offers the best value. Keep in mind that the cheapest option may not always be the best choice, especially if it doesn't provide adequate coverage.

5. Choose Your Policy

Once you've compared quotes and found a policy that meets your needs and budget, it's time to choose your coverage. Work with the insurance provider to finalize your policy and ensure that you have all the coverage you need to protect your restaurant from potential risks.

Get Started Today

Getting a restaurant insurance quote is a quick and easy process that can help you protect your business from unforeseen events. Don't wait until it's too late – start researching insurance providers and requesting quotes today. With the right coverage, you can have peace of mind knowing that your restaurant is protected from unexpected risks.

About Us

Custom Commercial Insurance Solutions is on a mission to make insurance shopping simple and convenient — for all businesses, everywhere. By bringing together data-rich embedded integrations, bespoke insurance products and world-class customer service, CCiS powers digital experiences backed by a team of licensed agents.

Finally, commercial insurance is easy for business owners, profitable for partners, and accessible wherever small businesses shop. Learn more at

We make buying insurance easy for small business.