Restaurant Insurance
Protection for your kitchen, customers, and employees — save up to 25% in discounts.
Choose your primary profession to get started:
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Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!
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Great insurance
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NEXT Insurance for small businesses
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Why do restaurant business owners need insurance?
Slip-and-fall injuries
Someone trips or slips on your premises and they file a lawsuit to cover medical costs. (Employees are excluded.)
Property Damage
Kitchen fire, heavy rain or vandalism occurs in your space and damages your property or your equipment (including food spoilage).
Food Poisoning
A customer claims they got food poisoning after eating at your restaurant.
Liquor Liability
An intoxicated customer breaks something or injures another patron in a fight; according to the law, you may be liable.
Choose your profession for more details or start an instant quote and get covered fast
Lower your risk with the coverage your business needs
NEXT offers the policies you need for the different types of risk that come with operating and Food Service business. You’ll find it easy to design the coverage that’s right for you.
General Liability
Helps you cover expenses if a customer slips & falls at your restaurant or if someone claims you gave them food poisoning.
Workers’ Compensation
Helps cover medical bills and lost wages related to employee workplace injuries.
Commercial Property
Helps cover costs if your property is damaged due to a covered event like a burst water pipe or fire — or replace inventory, such as spoiled food after a power outage.
Business Owner’s Policy
Helps cover business losses that occur when your physical location, equipment or inventory are unexpectedly damaged and unusable.
You’ll get all the discounts you are eligible for. Save up to 25% with NEXT.
Here are some of the discounts that help to bring down your insurance costs.
- ServSafe — food safety training that helps keep customers safe
- TIPS — accredited training designed to prevent intoxication, underage drinking, and drunk driving
- Home-based food service discounts
Learn more about restaurant insurance costs and coverage.
Frequently asked questions about restaurant insurance
Here are some of the most common questions we get about restaurant business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.t restaurant insurance
How does business insurance protect restaurants?
Our restaurant insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
A server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.**Accidents that hurt someone
A customer slips and falls in your restaurant’s parking lot. Your restaurant general liability coverage could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.Liquor liability insurance
An intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible.Professional mistakes
Your staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes professional liability insurance, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
One of your cooks gets burned by hot oil in the kitchen and needs medical attention. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
Your employee accidentally reverses the restaurant’s van into a parked car. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.If I work from home, will my homeowner's insurance cover me?
Running a business from your home can save you many costs associated with a separate location. But since your business adds unique risks regardless of location, your homeowners/renters policy won’t be enough. ERGO NEXT helps you cover what your homeowner insurance doesn’t.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.