Restaurants Insurance

Restaurants face specific risks — foodborne illness, slip-and-fall, fire, liquor liability. The right business insurance protects your income, your clients, and your license. Below are the coverages most restaurants carry, plus state-by-state guides and free quotes.

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Coverages most restaurants need

General Liability

Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every small business needs.

Commercial Property

Protects your building, inventory, equipment, and furnishings against fire, theft, vandalism, and many weather events.

Workers' Compensation

Pays for medical bills and lost wages when employees are injured on the job. Required in most states once you have employees.

Liquor Liability

Required by many states for businesses that serve or sell alcohol; covers claims arising from intoxicated patrons.

Restaurants insurance by state

Select your state for local requirements, costs, and quotes.