Restaurant Insurance Quote
Get a restaurant insurance quote that addresses the unique risks of food service. We compare carriers to find coverage for restaurants, bars, cafes, caterers, and food trucks at competitive prices.
Restaurants face risks most businesses don't encounter. Kitchen fires. Foodborne illness claims. Liquor liability. Customer slips on greasy floors. Employee burns and cuts. Spoiled inventory after equipment failures.
Operating without proper coverage is a recipe for disaster. The right insurance keeps your doors open when things go wrong.
What Restaurant Insurance Covers
• General liability - Customer injuries, property damage, and third-party claims. The slip-and-fall coverage every restaurant needs.
• Property coverage - Your building (if owned), kitchen equipment, furniture, fixtures, inventory, and supplies.
• Food spoilage - Reimburses lost inventory when refrigeration breaks down. Critical for food-dependent businesses.
• Liquor liability - Essential if you serve alcohol. Covers claims when intoxicated patrons cause harm to themselves or others.
• Workers compensation - Covers employee injuries. Kitchen work is dangerous. Burns, cuts, slips, and strains are common.
• Business interruption - Replaces lost income when covered events force you to close temporarily.
• Equipment breakdown - Covers mechanical and electrical failure of kitchen equipment beyond normal wear.
Liquor Liability: Essential for Alcohol Service
If you serve alcohol, you need liquor liability coverage. It's not optional. It's essential.
Here's why: If a customer gets drunk at your establishment and then causes an accident, injures someone, or damages property, you can be held legally responsible. Missouri's dram shop laws allow victims to sue establishments that overserved visibly intoxicated patrons.
Standard general liability typically excludes alcohol-related claims. You need a separate liquor liability policy or endorsement. The cost is modest compared to the protection it provides.
What Affects Your Restaurant Insurance Rate?
• Restaurant type - Fast food, casual dining, fine dining, and bars have different risk profiles and rates.
• Annual revenue - Higher sales volume typically means higher premiums.
• Square footage - Larger spaces have more liability exposure.
• Alcohol percentage of sales - More alcohol means higher liquor liability costs.
• Number of employees - More staff means more workers comp and liability exposure.
• Claims history - Previous claims, especially fire or foodborne illness, increase rates significantly.
• Fire suppression systems - Commercial kitchen suppression systems can reduce rates.
Common Restaurant Claims
• Slip and fall injuries - Wet floors, uneven surfaces, and crowded spaces lead to falls.
• Foodborne illness allegations - Whether valid or not, these claims are expensive to defend.
• Employee injuries - Burns, cuts, back strains, and repetitive motion injuries are common.
• Kitchen fires - Grease fires spread fast and cause extensive damage.
• Liquor liability incidents - Overserved patrons causing harm after leaving.