RESTAURANT INSURANCE
Tailored coverage for new and existing restaurants.
Choose your primary coverage to get started:
Restaurant insurance that caters to you
Any number of things can go wrong when you work in the restaurant industry.
Your commercial restaurant business insurance can help you save money when things break, someone gets hurt or you’re faced with a lawsuit.
NEXT insurance helps protect more than 450,000 small businesses and over 10,000 restaurants. We make it fast, easy and affordable to protect your business with the insurance you need.
Restaurant insurance can help protect you from:
Theft
Burglary means that expensive equipment and inventory needs to be replaced – fast.
Injury or illness liability
A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.
Property damage and vandalism
A kitchen fire, water damage or power outage can damage equipment and inventory.
Liquor Liability
If an intoxicated customer breaks something or causes an injury you could be held liable.
General Liability insurance
general liability can help you pay for:
Workers' Compensation insurance
workers compensation can help you pay for:
Business Owner’s Policy (BOP)
business owners policy can help you pay for:
Liquor Liability insurance
liquor liability can help you pay for:
10,000 restaurant owners trust NEXT
You can save up to 25% in discounts on restaurant insurance*
Flexible billing plans to keep your cash flow healthy (even if your menu isn't!).
How much does restaurant insurance cost?
Your restaurant insurance costs (a.k.a. premiums) can vary based on a number of factors, including:
- The type of restaurant (fine dining, casual, fast food, ghost kitchen etc.).
- Your restaurant location.
- Your payroll and what your employees do.
Get a free restaurant insurance quote. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.
What business insurance is required for restaurants?
Food and beverage industry insurance requirements vary by state law and different situations. Insurance for your restaurant business may be necessary to:
- Serve customers. Property owners and local governments might want you to have insurance like general liability or workers’ compensation.
- Hire employees. Many states require workers’ compensation if you have employees.
- Deliver, pick-up or drive for business. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and the building that you lease or own.
Resources to help your restaurant business grow
Insurance is just a small part of running a food and beverage business. Visit the NEXT Restaurant Success Center to learn about:
Frequently asked questions about business 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.
How does business insurance protect restaurants?
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 would help pay for replacements.Accidents that hurt someone
A customer slips and falls in your restaurant’s parking lot. Your restaurant general liability coverage would 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 will 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.What do I need to get an insurance quote online?
How can I get a certificate of insurance?
How does the claims process work with NEXT Insurance?
If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.
Get custom restaurant insurance wherever you do business
Learn more about food and beverage industry insurance options in your state.
NEED A FAST CERTIFICATE OF INSURANCE?
