Restaurant insurance can help protect you from
The costs of property damage
A kitchen fire, burst water pipe, vandalism or theft damage your space and you need repairs.**
Injury or illness liability
A kitchen injury or a customer claim of food poisoning means medical bills – and you could be asked to pay.
Equipment breakdown costs
A power outage zaps your refrigerator or freezer – and you need a fast replacement before the thaw.
The financial loss of food spoilage
Property damage or equipment failure could wipe out a walk-in full of product, and that loss could hurt.
Lost income
If you have to close for repairs after a covered event, business insurance could help cover costs until you recover.
Liquor Liability
If an intoxicated customer causes property damage or injury, you could be held responsible.
Get restaurant business insurance that’s fast, easy and affordable
ERGO NEXT specializes in small business insurance. Insurance for restaurants could help protect you, your building space and your employees.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for restaurants
The best insurance for restaurants is usually several types of policies to help provide financial protection after unexpected events and accidents. Your coverage may include:
Restaurant General Liability insurance
For customer illness and injury and damage to other people’s property
general liability can help you pay for:
Workers' Compensation insurance
Protection for employees who get hurt or sick on the job
workers compensation can help you pay for:
Commercial Property insurance
Protection for your kitchen equipment, food inventory and building space
commercial property can help you pay for:
Business Owner’s Policy (BOP insurance)
Financial help after customer injuries and property damage
business owners policy can help you pay for:
Liquor Liability insurance
Help for the actions of intoxicated customers served alcohol at your restaurant
liquor liability can help you pay for:
Cyber Liability insurance
Protection against cyber attack and other tech issues
cyber liability can help you pay for:
ERGO NEXT Insurance reviews
Save up to 25% in discounts on insurance for restaurants
Pay monthly or annually, and you can cancel at any time.
How much does restaurant insurance cost?
Premiums for restaurant business insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The type of work you do.
- The types of clients you have.
- Your business location.
- Your number of employees.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to see the exact cost of what you’ll pay is to check our prices. In about 10 minutes you’ll see ERGO NEXT’s restaurant insurance quote of tailored coverage for your business.
How can restaurant insurance coverage help your business?
You might need restaurant liability insurance and more to help your business:
- Open and serve the public. Property owners and local governments might require business insurance for things like a lease or local business licensing.
- Repair or replace business gear. Protect your inventory, equipment and the building that you lease or own.
- Shield you from liability costs. Accidents, spills, splatters and burns can cause damages that could cost you.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Deliver, pick-up or drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance coverage.
Restaurant insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
What kind of insurance does a restaurant need?
Restaurant insurance isn’t just a single policy. It’s a combination of several different types of business insurance that cover different business risks. Most restaurants could benefit from the protection of:
- Commercial general liability insurance for non-employee injuries and damage to property you don’t own.
- Commercial property insurance for the property you own or rent, including kitchen equipment and front-of-house fixtures, food inventory and the building you own or lease. Property coverage could also help with lost income if you have to close temporarily for repairs after a covered event.
- A Business Owner’s Policy (BOP insurance) which combines general liability and commercial property coverage into a single, often more cost-efficient, policy.
- Workers' comp insurance for protection over employees who get hurt or sick on the job.
- Liquor liability insurance to help protect you from costs associated with the actions of intoxicated customers served at your restaurant.
- Employment Practices Liability insurance (EPLI), which is an optional add-on to general liability insurance for coverage around employee lawsuits for discrimination, harassment and wrongful termination.
- Product liability Insurance if your restaurant makes or sells retail goods (housemade or packaged).
Commercial auto insurance for incidents surrounding the cars, vans, trucks and trailers you or your employees drive for pickups and deliveries.
What can commercial restaurant insurance cover?
Here are a few common examples of what could be covered by your restaurants insurance:
- A customer slips and falls in your dining area and files a claim for the medical costs of their injuries.
- Essential equipment is damaged in a kitchen fire — and you can’t cook until it’s replaced.
- An employee is burned or seriously cut while prepping dinner and they need immediate medical attention.
- You need to fix a broken window and repair damaged property after a break-in or vandalism attack.
What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
