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Restaurant insurance

Insurance built around how your restaurant operates.

A pizza shop with delivery, a bar with a late-night crowd, a bakery full of ovens, and a multi-location group are not the same business, and they should not carry the same policy. We are independent, so we shop your coverage and build it around the menu, the bar, the staff, and the lease.

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The real risk

The claim is rarely the surprise. The gap is.

A slip in the dining room, a kitchen fire, a refrigeration failure that spoils inventory, a delivery driver's accident, an over-served guest, a POS outage on a Friday night. The damage usually comes from a coverage gap nobody flagged: liquor liability that was excluded, delivery the policy did not contemplate, a business income limit that ran out before you reopened. We build the program so the surprise does not happen.

By segment

Coverage shaped to how you serve.

Every restaurant model carries different risk. Start with yours.

Full-Service Restaurants

Dining room, kitchen, and bar as one operation.

Quick-Service & Fast Food

Volume, staff turnover, POS, and franchise rules.

Fast Casual

Counter service, delivery, cyber, and growth.

Cafes & Coffee Shops

Hot drinks, equipment, traffic, and the lease.

Bakeries

Ovens, spoilage, allergens, retail and wholesale.

Pizza Restaurants

Ovens, delivery, auto, and the brand.

Bars & Taverns

Liquor liability, late hours, and higher limits.

Food Trucks

A kitchen on wheels, plus event certificates.

Catering Businesses

Off-premises events, contracts, and certificates.

Franchise Restaurants

Coverage that matches the franchise agreement.

Multi-Location Groups

Coordinated coverage across every site.

Fine Dining

Higher-value property, wine, and umbrella.

Delis & Sandwich Shops

Slicers, cases, spoilage, and catering.

Breweries & Taprooms

Production, taproom, and product liability.

Ghost & Virtual Kitchens

Delivery-only, cyber, and shared space.

Diners & Family Restaurants

High-volume breakfast and family service.

Dessert & Ice Cream Shops

Freezers, spoilage, and equipment breakdown.

Food Hall Vendors

Stalls in a shared, multi-vendor space.

BBQ & Smokehouse

Smokers, fire, and equipment.

Seafood Restaurants

Highly perishable, high-value inventory.

Sushi Restaurants

Raw-fish food safety and spoilage.

Burger Restaurants

Coverage that follows your service model.

By coverage

The coverages a restaurant actually needs.

Restaurant General Liability

Slips, foodborne illness, premises claims.

Property Insurance

Buildout, equipment, stock, tenant improvements.

Workers Compensation

Kitchen, server, bartender, delivery staff.

Liquor Liability

For restaurants and bars that serve alcohol.

Business Interruption

Income protection when you have to close.

Equipment Breakdown

Refrigeration, ovens, HVAC, and POS.

Spoilage & Contamination

Perishable inventory and contamination.

Cyber Insurance

POS, online ordering, and payment systems.

Commercial Auto

Delivery, catering, and owned vehicles.

Umbrella Insurance

Excess limits for serious claims.

Hired & Non-Owned Auto

Staff driving their own vehicles.

EPLI

Harassment, discrimination, wrongful termination.

Crime & Employee Dishonesty

Cash, tips, deposits, and gift cards.

Tenant Improvements

The buildout you paid for in a lease.

Extra Expense

The fast path back to open after a loss.

When restaurants call us

Reviews, certificates, and quotes.

Most of what a restaurant owner needs is a clear answer at a moment that matters: a lease certificate, a renewal, a non-renewal, a new location.

Coverage Review

A second opinion on whether your coverage fits.

Lease & Certificate Review

Match your policy to a lease or venue requirement.

Liquor Liability Review

Review alcohol service and liquor liability questions.

Workers Comp Review

Payroll, class codes, and audit questions.

Food Truck Quote

Start a food truck or mobile vendor quote.

Compare your coverage

Not sure your coverage matches your operation?

Answer eight quick questions about how your restaurant runs and get a clear, educational read on where your program may have gaps: liquor, delivery, equipment, spoilage, lease requirements, and more. No pressure, no obligation.

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We match coverage to your service model and menu

We check liquor, delivery, and equipment exposure

We line up lease, franchise, and certificate requirements

You get a clear read, no obligation

By state

Liquor rules and workers comp change at the state line.

Dram-shop liability and workers comp vary a lot by state. Pick yours for a plain-language overview with the official sources to verify it.

Oregon California Washington Idaho Utah Nevada Arizona Montana Colorado Texas New Mexico

Learn

Guides, answers, and a glossary.

Plain-language restaurant insurance education, plus compliance pointers for food safety, liquor licensing, and permits.

Restaurant Learning Center

Guides and straight answers, organized by topic.

Compliance Center

Food safety, liquor licensing, permits, and lease rules.

Restaurant Glossary

Liquor liability, spoilage, HNOA, and more, defined.

Why restaurants work with us

We speak menu, lease, and liquor license.

Independent means your interests come first. We translate how your restaurant actually operates into coverage that fits, and we are there when a claim, an audit, or a certificate request happens.

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