What insurance does a full-service restaurant need?

Usually general liability, property and equipment, workers compensation, business income, and liquor liability if alcohol is served, often in a packaged program. The mix depends on your menu, bar, and lease.

Do I need liquor liability if I have a bar?

Generally yes. Serving alcohol creates liability that standard general liability often limits or excludes, so a separate liquor liability coverage is usually needed. Rules vary by state.

Does my policy cover a kitchen fire shutdown?

Property covers the damage, but recovering lost income during the closure depends on business income and extra expense coverage and its limits. We check that it is there and adequate.

Full-Service Restaurants Insurance

Insurance built for full-service restaurants.

Full-service restaurants carry the whole stack of restaurant risk at once: a dining room full of guests, a working kitchen, often a bar, and a payroll of servers and cooks. We build coverage around all of it.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Full-service restaurant insurance usually combines general liability, property and equipment, workers compensation, business income, and, where alcohol is served, liquor liability, often packaged in a program built for the dining-room, kitchen, and bar exposure together.

The exposures that come with table service

A seated dining room means premises liability from slips, spills, and guest injuries, while the kitchen adds fire, equipment, and burn exposure. Add a bar and liquor liability enters the picture. A full-service program has to cover the front of house, the back of house, and the bar as one operation.

Property, equipment, and income

Your buildout, kitchen equipment, refrigeration, and tenant improvements are often your largest insured values, and a fire or equipment breakdown can stop revenue cold. Property, equipment breakdown, spoilage, and business income coverage work together so a shutdown does not become a closure.

Staff and the documents your landlord wants

Servers, cooks, and bartenders mean workers compensation and the wage-and-injury exposure that comes with a busy kitchen. Leases and vendors also tend to require certificates, additional insured status, and specific limits, which we line up with your policy.

Insurance built for full-service restaurants.

The exposures that come with table service

Property, equipment, and income

Staff and the documents your landlord wants

Common questions.

Does your coverage match how you operate?

Keep going.

Restaurant General Liability

Liquor Liability

Restaurant Coverage Review

Coverage built around your dining room, kitchen, and bar.