RESTAURANT INSURANCE

Tailored coverage for new and existing restaurants.

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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.

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 600,000 small businesses and over 10,000 restaurants. We make it fast, easy and affordable to protect your business with the insurance you need.

How NEXT helps restaurant businesses

Today’s special: Restaurant business insurance coverage without the hassle

We know what coverage options you need to help protect your small business and workers. Restaurant owners often consider these types of business insurance.

General Liability insurance

For slip-and-fall injuries and damage to property you don’t own

95% of small business owners purchase general liability. Restaurant liability insurance can provide financial help for many of the top risks for restaurant:

general liability can help you pay for:

Medical payments

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Workers' Compensation insurance

Often required if you have employees

Workers’ compensation insurance can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Business Owner’s Policy (BOP)

Financial help after customer injuries and property damage

A business owner’s policy includes liability coverage from commercial general liability and commercial property insurance to help protect you and your business from losses related to:

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury)

Property damage

Food contamination

Business income interruption

Equipment breakdown coverage

Liquor Liability insurance

You could be liable for alcohol consumption at your business

If you serve alcohol, you could be held responsible if a guest injures themselves, someone else or causes property damage.

liquor liability can help you pay for:

Injuries

Property damage

Legal fees and medical payments

10,000 restaurant owners trust NEXT

Simple process

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!

Adrian S.

Great insurance

I have not seen any insurance this simple. They make it easy. They have whatever coverage you need.

Idris H.

NEXT Insurance for small businesses

This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.

Jonathan W.

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!).

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does restaurant insurance cost?

Your commercial 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 coverage. 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?

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.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with 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 can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Get custom restaurant insurance wherever you do business

Learn more about food and beverage industry insurance options in your state.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

Next Insurance App available on the App Store

Get the Next Insurance App on Google Play

* 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.