Restaurant insurance that’s made for your Colorado business
We’re dedicated to helping you get the restaurant insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for restaurant business in Colorado include:
- General liability
- Professional liability
- Workers’ compensation
- Commercial property
See the coverage plans for Restaurant Insurance in Colorado
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of restaurant insurance for small businesses in Colorado
NEXT is made for entrepreneurs, hustlers and restaurant business owners in Colorado who like to stay covered and save money.
General Liability
Bought by 95% of business owners like you
General liability insurance covers a wide range of restaurant accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by property owners and local governments. If your business sells or serves alcoholic beverages, you likely need liquor liability insurance. You can purchase liquor liability insurance alongside our general liability policy.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury to an employee. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory, food spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much should a Restaurant in Colorado expect to pay for business insurance?
Running a small business is a 24/7 job. That’s why NEXT makes it quick and painless to get the right coverage that’s customized exactly to your needs. A restaurant business in Colorado has unique needs and we tailor our policy based on:
- How many people are on your payroll
- The state and city in which you work
- The kind of work you do
- The number and types of vehicles you use for work
It usually costs about $17 each month for business insurance for restaurant business in Colorado.
When you save up to 25% in discounts on business insurance, you can afford to invest in growing your small business. We’re here to make sure you always have the right amount and kind of coverage.
Restaurant insurance requirements in Colorado
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Help pay for accidents that cause damage to property that isn’t yours.
- Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about restaurant 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.
Does NEXT Insurance offer restaurant business insurance in Colorado?
Yes, NEXT Insurance offers tailored restaurant business insurance in Colorado.
Does NEXT Insurance offer Commercial Property coverage for restaurant business in Colorado?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for restaurant business in Colorado.
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’ll 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 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.How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
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 customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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* 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.