General Liability
Covers customer bodily injury, slip-and-fall claims, and food-related illness allegations at your establishment.
Restaurant Insurance for Food Service Businesses
From slip-and-fall claims to kitchen fires, restaurants face serious liability every day. We compare policies from multiple carriers to find the right coverage for your food service business.
Coverage
What does Restaurants insurance cover?
The right insurance program for your Restaurants business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Commercial Property
Protects your building, kitchen equipment, furniture, and inventory against fire, theft, and water damage.
Workers' Compensation
Covers kitchen burns, cuts, and slip injuries for your cooks, servers, and front-of-house staff.
Business Owners' Policy
Bundles general liability and commercial property into one affordable policy — ideal for most restaurants.
Liquor Liability
If you sell or serve alcohol, this separate coverage addresses third-party injury or property damage claims tied to an allegedly intoxicated patron.
Umbrella / Excess Liability
Higher-limit liability coverage can help restaurants with alcohol service, larger foot traffic, or lease and contract requirements.
Who needs it
Who needs Restaurants insurance?
If you operate a Restaurants business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Full-service and casual dining restaurants — Face constant slip-and-fall, foodborne illness, and liquor liability risks with every service shift.
- Fast food and quick-service establishments — Operate high-volume kitchens with repetitive hazards and a steady stream of injury and food safety claims.
- Bars, breweries, and wine bars — Often need dedicated alcohol-service coverage, with requirements that can vary based on state rules, license type, landlord terms, and event contracts.
- Cafes, bakeries, and coffee shops — Serve food and beverages to the public in environments where spills, burns, and allergen claims are common.
Why Ashmont Insurance Agency
The smarter way to insure your Restaurants business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Restaurants business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Restaurants coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Restaurants insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Restaurant insurance typically costs $2,500–$7,500 per year for a small to mid-size establishment. Factors include seating capacity, alcohol service, annual revenue, and location. A Business Owners' Policy (BOP) often provides the best value for independent restaurants.
If your restaurant sells or serves alcohol, you should review liquor liability coverage. It addresses claims tied to an allegedly intoxicated patron, and depending on your state and operation, it may also be required by a licensing authority, landlord, lender, venue, or contract.
A Business Owners' Policy for restaurants combines general liability and commercial property insurance. It covers customer injuries, property damage, equipment breakdown, and business interruption — typically at a lower cost than buying policies separately.
Yes. Workers' compensation is required in nearly every state for businesses with employees, and restaurant workers have high injury rates from burns, cuts, and slips. Ashmont Insurance Agency can help you find competitive workers' comp rates.
Yes. Ashmont Insurance Agency lets you compare restaurant insurance quotes from multiple carriers online the same day. We evaluate your restaurant type, size, and risk profile to find the most competitive coverage options available.
Ready to protect your Restaurants business?
Compare Restaurants insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.