Insurance for Restaurants & Bars
Restaurants and bars face risks a standard business policy doesn't fully cover — a walk-in cooler failure, a slip on a wet floor, or an incident tied to alcohol service. We build coverage specifically for food and beverage operations, including the gaps most general policies leave open.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A patron is over-served and causes an incident on or off your premises.
Liquor liability is a separate coverage from general liability — if you serve alcohol without it, you likely have no coverage for these claims at all.
A walk-in cooler fails overnight and you lose a week's worth of inventory.
Equipment breakdown and food spoilage coverage helps replace lost product and repair or replace the failed equipment.
A customer slips on a wet floor near the entrance or restroom.
General liability (through your BOP) covers third-party injury claims tied to your premises.
Questions We Hear Often
Almost never automatically — liquor liability is a separate coverage, and if you serve or sell alcohol, going without it leaves a serious gap most restaurant owners don't realize exists until it's too late.
A BOP typically bundles general liability and commercial property in one policy, often at a better rate than buying them separately — we tailor the limits to your kitchen, dining room, and equipment values.
Yes, in most cases — hired and non-owned auto coverage protects your business if an employee causes an accident while delivering for you, even in their personal vehicle.
It can be, under equipment breakdown or specific spoilage coverage — this is worth confirming explicitly, since not every property policy includes it by default.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Request a Commercial Quote